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Home My WebLink About98-07045 . , d ~ . ...s;: "I .:3 ~ ~ , ~ ~ , d I l'i-- ~ ..., ! :s :~ l- et '.. ( , cJ < ct , \'~ u: . ~ '> ~ '. ..:> . - ~ \;, :)0- <;) t-- 5. Paul D. Thrush, Jr., and Eleanor A. Thrush, arc the sole record owners in fee simple of said premises subject to said mortgage, by virtue of a Deed dated September 25, 1978, and recorded in the Cumberland County Recorder's Office in Deed Book "B", Volume 28, Page 413, more specifically set forth in Exhibit "C", attached hereto and made a part hereof by reference, 6, Said note and said real estate mortgage are in default because Defendants herein haye failed to pay the payments that were due and owing for the months of September 1998, October 1998, November 1998 and December 1998. 7, The Plaintiff has given to the Defendants written notice of intention to foreclose on said mortgage as required by law under Act 6, daled November 3, 1998, a copy of which is marked Exhibits "D" and "E", and attached hereto and made a part hereof by reference, 8, The Plaintiff has given written notice of default as required by the Homeowner's Emergency Assistance Act of 1983, dated November 3, 1998, a copy of which is marked Exhibits "F" and "G", and attached hereto and made a part hereof by reference. 9, By reason of the aforesaid default, the entire principal balance of One Hundred Ninety three Thousand Two Hundred Fifty-nine and 93/100 ($193,259.93) Dollars, with interest thereon at the rate of 10.75 % per annum computed from August 7, 1998, along with attorneys fees now due and payable, 10. The Defendants are liable to the PlaintitTfor the following on said mortgage loan: A. I'rincip:d amount due to date $177,041.64 D. Attorney's Collection fee 6,714,60 300,84 9,202.85 B, Interest due to date C. LaIc Char"es TOTAL: $193.259.93 VERIFICATION I, John H, Bowers, hereby verify that I am a Sr. Vice President of Financial Trust Company, that I make this verification being authorized to do so, and the facts set forth in the foregoing Complaint are true and correcl to the best of my knowledge. I understand that false statements herein are made subject to the penalties of 18 Pa, C.S. Section 4904 relating to unsworn falsification to authorities. J1J/)01f~ John H. Bowers Sr, Vice President Financial Trust Company ? ~0:.?:>) 11 \ ...,~ ;; '7,coJ v Maturity $177 405,00 07-02-1998 07'-Q2-2013 References in tho shaded area Bre for Lender's use only and do not limit the appilcabilily of thIs document to an PROMISSORY NOTE Principal Loan Date Loan No 30023 Initials Borrower: Paul D. Thrush, Jr. Eleanor A. Thrush dba: Thrush Excavating & Paving 972 West Old Vorl< Road Cartlsle, PA 17013 Lender: Flnanclol Tru,t Company Main Olllce One Wesl High Slreel Carlisle, PA 17013 -.- Principal Amount: $177,405.00 Date of Note: July 2, 1998 PROMISE TO PAY. Paul D. Thrush, Jr. and Eleanor A, Thrush ("Borrower") promise to pay 10 Financial Trust Company ("Lender"), or order,ln IlIWtul money ollhe Unlled Slates of America, Ihe principal amounl of One Hundred seventy seven Thousand Four Hundred Five & 001100 Dollars ($177,405.00),'ogether with Inleresl on the unpoid principal balance from July 2, 1998, until paid In full. PAYMENT, Sublectto any payment changes resulting from changes in Ihe Index, Borrower wlii pay Ihls 1000n In accordance with Ihe 'ollowlng paymenl schedule: 36 consecullve monthly principal and Inleresl paymenls Of $2,005.59 each, beginning Augusl 2, 1998, wllh Inleresl calculated on the unp3ld principal balonces 01 an Interes' rale of 10.750% per onnum: 143 consecutive monthly prlncipol ond Inleresl paymenls In the Inlllol omounl of $1,957.76 each, beginning Augusl 2, 2001, wllh Interest calculaled on Ihe unpaid pr1nclpDl bDlances 01 an Inlere.t rale 01 4.500 percenlage points over Ihe Index described below; and I principal and Interest poymenlln Ihe Inlllal amounl 01 $1,958.04 on July 2,2013, with Inleresl calculated on Ihe unpaid principal balances a'an Inleresl rate 014.500 percenlage points over Ihe Index described below. This estimated tlnal paymenlls based on Ihe assumpllon thai an payments will be made exaclly as scheduled and thaI the Index does not change; Ihe aclual final payment will be lor all pr1nclp31 and accrued Interesl nol yel pold, together wllh any otl1er unpaid emounls under Ihls Note. The annual interes.t rate for this Note is computed on a 365/360 basis; thai is, by applying the ratio 01 the annual inlerest rale over a year of 360 days, multiplied by the outstanding principal balance, mulliplied by the actual number of days the principal balance is outstanding. Borrower will pay Lender at Lendor's address shown above Or .at such other place as Lender may designate in writing. Unless otherwise agreed or required by applicable law, payments will be applied first to accrued unpaid inlerest, then to principal, and any remaining amount to Bny unpaid collection costs Bnd late charges, VARIABlE INTEREST RATE. Tho interest rate on this Note is subject to change from time to time based on changes in an independent Index which is tho Weekly Average Yield on United Stales Treasury Securities, Adjusted to a Constant Maturity of Three (3) Years (the "Index"). The Index is not necessarily the towest rate charged by Lender on its loans. If the Index becomes unavailable duling the term of this loan, Lender may designate a substitute index aner notice to Borrower. Lender will tell Borrower the currenllndex rate upon Borrower's request. Borrower understands that Lender may make loans based on othor rates as well, The interest rale change will not occur more onen than each THREE YEARS, The Index currentty Is 5.750% per annum. The Inleresl rale or rales 10 be applied 10 the unpold prlnclpDl belence 01 this Nole will be Ihe rete or rBles ..I forth above In the "payment" secUon, NOTICE: Under no circumstances will the interest rate on this Nolo be more than the maximum rate allowed by applicable law, Whenever Increases occur in tho interest rrde, Lender, at its option, may do one or more of Ihe following: (a) increase Borrower'!j payments to ensure Bon"ower's loan will payoff by its ongmal final maturity date, (b) increase Borrower's payments to cover accruing interest, (c) increase the number of Borrower's payments, and (d) conhnue Borrower's payments atlhe same amount and increase Borrower's final payment. PREPAYMENT, Borrower may pay without penalty all or a portion 01 the amount owed earlier than it is due. Ear1y payments will nol, unless agreed to by Lender In writing, relieve Borrower of Borrower's obligation to continue 10 make payments under the payment schedule. Rather, they will reduce the pnrn;ipal ba.iu.nctt dua ar,d m.i', rc:;u:t Jr, eorrcwer mz!dng few~f payments, LATE CHARGE. If 0 payment I. 15 dOl'S or more late, Borrower Witt be chorged 5.000% otlhe reQUtor1y scheduled payment. OEFALl..T. Borrower will be in de1ault If any of tho following happens: (a) Borrower fails to make any payment when due, (b) Borrower breaks any promise Borrower has made to Lender. or Borrower tails to comply With or to perlorm when due any other term, obligation, covenant, or condition contalnod in thiS Noto or any agreemont related to this Note, or in any other agreement or loan Borrower has with Lender. (c) Borrower defaults under any loan, extension 01 credit, security agrooment, purchase or sales agreement, or any other agreement, in favor of any oth91 creditor or person that may matanaHy :s,f1oct any of Borrower's property 01" Borrower's ability to repay this Note or porlorm Borrower's obligations undor this Note or arty of the Related Cocuments. (d) Any representation or stBtement made or furnished to Lender by Borrower or on BOlTower's behalf is false or misleading in any matarial respect either ~0Vt' or at tho tIme made or lumlshed. (e) Borrower dies or becomes insolvent, a receiver is appointed for any part of Borrower's prope'rty, Borrower mal>.es an assignment for the benefit 01 creditors, or any proceeding is commenced olther by Borrower or against Borrower under Bony bant<.ruptcy or Insolvcnc:y laws. (i) Any cfedllor tlies to take any of Borrower's property on or in which Lender has a lien or secunly interest. This includes a garni$hment of any 01 Borrower's accounts With Lender. (g) Any of tho events described in this delault 5eCtion occurs with respect to any guarantor 01 thIS Note. (h) A malenal adversa change occurs in Borrower's finanCial cOfldltlOM, or Lender believes tho plospoct of pa)'ment or porformance of tho lndebleC1n~s IS Impaired, (i) Landor in good faith deems ilsell insecure, lENDER'S RIGHTS, Upon de!ault. L(>:nO~1 may, after giVing such not,ces as requited by applicable law, declaro the entIre unpaid plinclpal balance on thIS NCJ1.o !.nd all accrued unpaId mtclcst Immedlatoly due, and then Borrower will pay that amounl. lkndor may hire or pay someone else 10 help coliact thtS Note it BorrCWOf docs nol PliY. Boncwor ais.o Will pay Lender that amount. This includos, t.ubjoct to any limits under applicable I2w, Lender's attomeys' toos nnd lendOI'S lPgal p'~p(ln!.eS whother or notthero is a lawsuit, includIng al10rneys' lees and legal e~e-nses tar bankruptcy procoodlnQ:S (Including e!for1~ to modlly Of vacale atlY aulom3.1ic stay or Injunction), appeals, and any antIcIpated p05t-judgment collechon seMces, II no! prohibited by ap~hcat)lo law, BC/flO\,\'ef nl$O will pay any court costs, In additIon to an othor sums provided by tow. II jUdgment is entered in conMCtlon with thIS Nol~, Intl.'trett Will conllnLJ9 10 accrue on thIS Note after judgment ntlho inlofcs.l rate apphcabl(! 10 thIS Note at thO timo judgment tS entered, thiS Note has b<<-n dellvtfEd to l..tnder and accepted by Lender tn the Commonwe3lth or Pennsytvanla. If there ts D lawsuit, llofrow.., agrees upon Lend..,'a request 10 submlllo Ihe lurlsdlctlon of Ihe cour1$ 01 Cumberland County, the Commonwealth 01 Pennsylvania, This Note shaH be governed by and cons-hued In eccordsnce With the laws of the Commonwf8lth of Pennsylvania. RIGHT OF SETOFF, BOl'lowor gra.n!s to ~ndef 8 contractual secUrlty interest in, and hereby assigns, conveys, delivoni, pledges, and trantlers to 1o:"l00f lill 8CJflOWer's noht, title and mterC".;.t In an.j 10, e hether Chocl-..tng, s.avings, or some olher a~"Counl), including 1I\'I~hoatllml:atlon all SC'COLmts ~Id JOIntly WIth t.omeons EAIBIT y opC'n 111 the Mura, excludmg however ~IlIRA and Keogh accounts. if\d all trust accounts. tOl which the grant 0 hlblted by law, Borrower 8uthon:es Lendel', to the extent permjfteod by appllC&blD law. 10 Charge -or s,elClfl all I t any and aU such accounts. and, at lender's op~lon, to aCSf1ll0l1.1ratl'.'t'ly tro(>~ aM SloJCh ICC'OLJnllo to allow Lender loft nghts prOVIded on thIS paragraph. COlUTCRAL. TIus Nene f) t./!lClJIl'IC b" ii, .iJuii'\IU~ WHEN RECORDED MAIL TO: Financial Trust Company cia Keystone Loan Operations ATTN: Collaleral Dept. 130 Cour1 Street, Po Box 3187 Wllllamspor1, PA 1m1 SPACE ABOVE THIS LINE IS FOR RECORDER'S USE ONLY MORTGAGE THIS MORTGAGE IS DATED JULY 2, 1998, between Paul D. Thrush, Jr. and Eleanor A. Thrush, whose address is 972 West Old York Road, Carlisle, PA 17013 (referred to below as "Grantor"); and Financial Trust Company, whose address is One West High Street, Carlisle, PA 17013 (referred to below as "Lender"), GRANT OF MORTGAGE. For valuable consideration, Grantor grants, bargains, sells, conveys. assigns, transfers, releases, confirms Md mortgages to Lender all of Granlor's right, lit!e. and interest in and to tho following descnbed real property, together wilh all exi5hng or subsequer\~Y erected or affixed buildings. improvements and fixtures; all streets, lanes. alleys, passages, and ways; all easements, rights of way, all liborties. pnvileges, tenements, hereditaments. and appurtenances thereunto belonging or anYWise made appurtenant hereafter, and the reversions and remainders with respect therelo; all water, waler rights, watercourses and ditch rights (including stock in utilities with ditch or irrigation nghts); and all other nghts, royalties, and profits relating to the real proper1y, including withoutlimllahon all minerals, oil, gas, geothermal and similar matters. located in Cumberland County, Commonwealth of Pennsylvania (the "Real Property"): SeE EXHIBIT "A" ATTACHED HERETO AND INCORPORAlCD HEREIN BY REFERENCE. The Real Property or its address is commonly known as 972 West Old York Road, Carlisle, PA 17013. Grantor presently assigns to Lender all of Granlor's rigt1t, litle, and interest in and :0 all leases of the Property and all R6nts from the Property. In addition, Grantor grants to Lender a Uniform Commercial Code security interest in the Personal Property and Rer'lts. DEFINITIONS. The following words shall have the following meanings when used in this Mortgage. Terms not otherwise defined in this Mortgage shall have the meanings attributed to such terms in the Uniform Commercial Code. All references to doflar amounts shail mean amounts in lawful money of the United States of America. Existing Indebtedness. The words "Existing Indebtedness" mean the indebtedness descnbed below in tho Existing Indebtedness section of this Mortgage. Grantor. The \'.:ord "Grantor" means PaulO, Thrush, Jr. and Eleanor A, Thrush. The Grantor is the mortgagor under this Mortgago. Guarantor, The word "Guarantor" means and includes without limItation each and all 01 the guarantors, sureties. and accommodation carties in connection with the Indebtedness. Improvements. The word 'mprovemenls" means and includes Without limItation all existing and future improvements, buildings, structures. mObile homes affixed on the Real Property, facilities, additions, replacements and other construction on the Real Property. Indebtedness. The word 'ndebtedncss" means all principal and interest payable under the Note and any amounts expended or advanced by Lender to discharge obligations of Granlcr or expenses incurred by Lender to enforce obligations of Grantor under thiS Mortgage, together Witt! interest on such amounts as provided in this Mortgage. In addition to tho Noto, the word 'ndebledness" includes all obligations, debts and liabilities, plus interest thereon, of Grantor 10 Lender, or any ono or more of them, as well as all claims by Lender against Grantor, or any ono or more of them. whether now existing or hereafter ansing, whelher relatl:ld or unrelated to the purpose of the Note, whether voluntary or otherwise, whether due or not due, absolute or contingent, liquidated or unliQuidated and whether Grantor may be !labl':! individually Of jOintly WIth others, whether obligated as guarantor or otherwise. and whether recovery upon such Indebtedness may be or hereafter may become barred by any statute 01 limItations, and whether such Indebtedness may be or hereaf1ar may become otherwise unenforceable. (Initial Here J Lender. The word '1..ender" means Financial Trust Company, its successors and assigns. The Lender IS the mortgagee under this Mortgage. Mortg3ge. The word "Mortgage" means lhis Mortgage between Grantor and Lender. and includes without limitation all assignments and secunly interest prOVIsions relating 10 the Personal Property and Rents. Hate. The word "Note" means Ihe promissory nole or credit agreemenl datea July 2. 1998. in the original principal amount of $1 n,405.00 from Grantor to lendor, logethor With all renowals 01, cxten:'>lons of. modIfications of, refinancings of, consolidations of, and subst,tutions lor the prom'",ory note or agreement. NOT!CE TO GRANTOR: THE NOTE CONTAINS A YARIABLE INTEREST RATE. P~rsonal Property. The words "Personal Property" mean all equipment, flliures. and other articles of personal property now or hereafter owned by Gr3~lor, and now or hereafter attached or affixea to tho Real Property; together With a~l accessions, parts. and additions to, all f(!'pl,scemonts of, anC: all subsllfutior:s lor, any of ~uch property; and together With all proceeas (Including wlthou1Iirr.lt.1bon all insurance proceed!i and refundS of premIums) from any 53le or other diSPOSItion 01 the Property. Property. The word "Property" means collectively the Real P Real Property. The wordS 1'Ioal Property" mean the prope EXHIBIT Relaled Oocumtnls. The words "Related Documents' I ~ agreement!.. enwonmental agreements, guarantlCS, sccun documents. whether now or hereafter eXIsting. executed in __ /' \~......:I(':::\ , \ 1_ --r.......... - ;1)'. above In the -Grant of Mortg3QO" !.OCtion. bon all pramrssory notes, credit agreements. loan 01 trust. and all other Instruments. agreements and 07-02-1998 MORTGAGE (Continued) Page 2 - Rents. The word "Rents" means aU present and future rents. revenues, income. issues. royalties, profits, and othor benefits derived from the Property. THIS MORTGAGE, INCLUDING THE ASSIGNMENT OF RENTS AND THE SECURITY INTEREST IN THE RENTS AND PERSONAL PROPERTY, IS GIVEN TO SECURE (1) PAYMENT OF THE INDEBTEDNESS AND (2) PERFORMANCE OF ALL OBLIGATIONS OF GRANTOR UNDER THIS MORTGAGE AND THE RELATED DOCUMENTS, THIS MORTGAGE IS GIVEN AND ACCEPTED ON THE FOLLOWING TERMS: PAYMENT AND PERFORMANCE, Except as otherwise provided in Ihls Mo~gage, GlOntor shall pay to Lender all amounts secured by thiS Mo~gage as they become due, and shall stnclly perform aU of Grantor's obligations under thiS Mortgage. POSSESSION AND MAINTENANCE OF THE PROPERTY, Grantor agrees that Granlor's possession and use otthe Property shall be governed by the folloWing provisions: possession and Use. Until in default, Granlor may remain in possession and control of and operate and manage the Property and collecllhe Renls Irom the Property, Duty to MaloIDI". Grantor shall maintain the Property In tenantable condition and promptly periorm all repairs. replacements, and maintenance necessary to preserve its value, HazardOUS substances. The terms "hazardous waste," "hazardous substancD," "disposal," "release," and 'hreatened release," as used in this Mortgage, shall have the same meanings as set forth in the Comprehensive Environmental Response, Compensation, and Liability Act of 1980, as amended, 42 U,S.C, Section 9601, el seq, ("CERCLA"), the Superfund Amendmen!s and Reauthonza!ion Act 01 1986, Pub, L. No. 99-499 ("SARA"}. Ihe Hazardous Malerials Transpo~ation Act, 49 U.S,C. Seclion 1801,.' seq,. the Resource Conservation and Recovery Act, 42 U,S,C. Section 6901, el ~eQ., or other applicable stale or Federal laws, rules, or regulations adopted pursuant to any of the foregoing. The terms "hazardous wasle" and "haz3rdous substance" shall also includp, withoullimilation, petrOleum and petfoleuln by-products or any fraction thereof and asbestos. Grantor represents and warrants to Lender that: (a) During the period of Grantor's ownership of the Property, there has been no use, -generation, manufacture, storage, treatment. disposal, release or threatened release of any hazardous waste or substance by any person on, under, about or from the Propol1y; (b) Grantor has no knowledge of, or reason to believe thllt there has been, except as previously disclosed to and acknowledged by Lender in wnting, (i) any use, generation, manufacture, storage. trealment, disposal, release, 0:- threatened release of any hazardouS waste or substance on, under, about or from the Property by any prior owners or occupants of the Property or (ii) any actual or threatened litigation or claims of any kind by any person relating to such matters; and (c) Except as previously disclosed to and acknowledged by Lender in wntlng, (i) neither Grantor nor any tenant, contractor, agent or other authonzed user of the Property shall use, generate. manulacture, store, treat, dispose of, or release any hazardous waste or substance on, under, about or from the Property and (iil any such actiVIty shall be conducted in compliance With all applicable lederal, stale, Bnd local laws, regulations and ordinances, including without limitation those laws, regulations, and ordinances des.cnbed above. Grantor authorizes Lender and its agents fo enter upon the Property Ie make such inspections and tests, at Granlor's expense, as Lender may deem appropriate to determine compliance of lhe Property with this section of the Mortgage, Any inspoctions or tests made by Lender shall be lor Lender's purposes only and shall not be construed to create any responSIbility or liability on the part of Lender to Granlor or to any other person. The representations and warranlies contained herein are based on Grantor's due diligence in investigating the Property for haZardous waste and hazardous substances, Grantor hereby (a.) releases and waives any future claIms against Lender for indemnity or contnbution in the event Grantor becomes liable for cleanup or olher costs under any such laws, and (b) agrees to indemnity and hold harmless Lender against any and an claims. losses, liabilities, damages, penalties, and expenses which Lender may directly or indirectly sustain or suffer reSUlting from a breach of this section of the Mortgage or as a conseQuence of any use. generation, manufacture, storage, disposal. release or threatenod release 01 a hazardous waste or substance on the properties. The provisions of this section of tho Mortgage, including the obligation to indemnIty, shall survive the payment at tho Indebtedness and the satisfaction and reconveyance of the lien 01 this Mongage and shall not be affected by Lender's acquiSItion of any interest in the Proporty, whether by foreclosure or othorwise, Nu{sancp:, Waste, Grantor shall not cause, conduct or permIt any nuisance nor commit, permit, or suffer any stripping of or waste on or to :he Property or any portion of tha Property, WIthout limiting the generahty of the loregoing, Grantor will not remove. or grant to any other party tho right to remove, any timber, minerals (induding oil and gas). soil. gravel or rock products WIthout the prior wotten consont 01 Lender. Removal ot Improvements. Grantor shall nol demolish or remove any Improvements from the Real Property WIthout tne pliol written consent of Lender. M, a condition 10 the removal 01 Bny Improvements, Lender may require Grantor to make arrangements satisfactory to Lender to replace such Improvements with Improvements of at least equal value. Lender'S Right to Enter. Lender and its agents and representatrves m3Y enter upon the Real Property at all reasonablo times to attend to Lender's interests and to inspect tho Prope....ty for purposes of Grantor's compliance WIth the terms and condItions of lilts Mortgage. Compliance with GQvemm~ntal Requirements. Grantor shall promptly comply with aU laws. ordinances, and regula,lions, now or hereafter in effect, of aK governmental authonbes applicable to the use or occupancy 01 the Property, including WIthout limItation, the Americans With DiSabilitlcs Act, Grantor may contest in good faIth any such law. ordir'!3nCc, or regulation and withhold compliance dUring any proceeding, including appropriate appcal~, so long as Gra.,tor has notIfied Lender in wnhng pnor to doing so and so long as, in Lender's sole opinion, Lender's .nlerests In the Property are not jeopardized. Len~er may reQuire Grantor to post adequate secunty or 3 surety bond, reasonably satislaclory to Lender, 10 prolect Lender's mterest. Duty to Protect. Grantor agrees neIther to abandon nor leave unattended the Property. Grantor ~han do an other acts, in addillon to those acts !'.et forth above in this sochon, which tram the character and use of the Property are reasonably necessary to protect and preserve the Property. DUE ON SALE _ CONSENT BY LENDER. Lenoor may, stlts option, doclare immedIately duo and payable all sums s.ocured by thIS Mor1ga;ge upon the -:.alo or tran!lt~, WIthout the Lender's pnQf wnt1en consent, 01 aU or any part of the Real Property, or any interes.l In the Real Property, A "sale or transter'" mesns the conveyance 01 Re&l P~operty or any nght, titto or interest therein; whether logal, beneficial or eqUItable; whether voluntary or Involuntary: whethOl by oulnghl ~l(!, dred, in:;tallment sale contract, land cQ:'ltract, contract lor dl!'ed, leasehold interest With a term great~ than throe (3) )'C3f"S. loa~tlon contract, Of by !.ale. assignment, Of translor of any bcneficlallnlcrest in or 10 any land trust holding title to the Real Property, or by any other melhoO of conveyance 01 Roal Prop(!r1y lnlaresl. If any Granlor IS a corporation. partnershIp or limited liabillty company, traf'!!ller also induces any chenQe In C'\\"nl'l~hIO of more t~n twenty-f:vB percent (25%) 01 the voting slOCK, pnrlnershlp Intorests or limIted liability company ir:term.ts, as the C3~ ma~ be, of GranlOf', However, thtS optlcn snail not to exercIsed by Lender Jf ~uc:h l?ktifCr.:.e IS prohlbiled by !edorallaw Of by Pennsytvania taw. T A.Y.ES AND LIENS. The follOWIng prO\ll!;;lons {elaMg to the taXes and hens on tho Property are a pan 01 thIS Mortgage. peymtnl. Grantor shall pay ""t.e" due (and In all events prior 10 delinQuency) all taxes, paY"oll taxes, spoclal taxes. aS$8ssments, water charges and s,ewor !>eMCa (:har~$ leVK'"d aQ-8111sl or on accounl of the Property, and shall pay when due all ClaIms tor work done on or for servJCe!. rendered or materl3.llurn!:.hej to the Prop~. Gran!or !lhall mSIOtaln lhe Property free of all hans haVIng pnonty over or eQual 10 the interest of Lender undor :hls IJ.ortgii'!e. except lor the hen of taxes and .assess.ments not due, except for the EXI$bng Indebteone!os re!erreod to below. and e)(CCpt as ot~.r:.e pfoVlejed In tha tol,owu.'Q paragraph, Right To Contest. Grantor may Wlt:1noHJ plymeni ui al:Y tv, ...~~asmc;.:;:. c.'" C!::::!l :n c~n~ti,:,n with III Qood t.1.ith dl$.Put8 over the oblioabon to = - 07-02-1998 MORTGAGE (Continued) Page 3 - ~ _....,.~..,=:;::uI;-=""'--- -~ - _M_ pay. so long as Lendor's interest inlhe Property is not jeopardlzod. If a lion arises or is hied as a result of nonpayment. Grantor shall wIthIn hfleen (15) days attar Iho lion arisos or, II a lien IS flIed. within lifteen (151 days after Grantor has notice ollha filing, securo the discharge of tho hen, or II rOQuested by Lendor, deposit with lender cash or a sufficIent corporato surety bond or othor secunty satisfactory 10 Lendor In an amount suffiCient 10 discharge tho lion plus any costs and attorneys' lees or other ctmfgDs that could accrue as a result af a loroclosuro or sale under tho lion. In any contosl, Grantor shall dofond llsoll and Londor and shall satIsfy .U1V.1dvorno Judgment beforo onforcomunt aglllnst the Property, Grantor shall name Lender a.s an additional cbli~ee undnr any suroty band lurnlshao to tho contest proceedings. Evidence of Payment. Granlor shall upon demand furnish to Lender satisfactory eVldenco of payment 01 the taxes or assessments anCl snail authonzG the appropnato governmental otfiCUl,1 to deliver 10 Lander al any time a wrltton statoment of the taxes and assessments agamst lhe Property. Nollce ot Construcllon. Grantor shall notify Lendor at laast hfteen ('5) days belore any work IS commenced, any services are furnished, or any matenals ara supplied to the Properto(, if any mechamc's lien, malenalmon's Uen, or other lien could be asserted on account of the work, services, or materials and lhe cost excoeds 55,000.00. Grantor will upon rOQuosl of Lender furnish 10 Lender advance assurances satisfactory to Lender lhal Grantor can and will pay the cost 01 such HnprCvllments. PROPERTY DAMAGE INSURANCE. Tho follOWing provISions relaling 10 Insunng tha Property ara a part of Ihls Mortgage. Maintenance of Insurance. Grantor shall procure and maintain policies cf firo insurance With standard ex1endod coverage endorsements on a roplacement basis lor the full insurable value covenflg all Improvem09nts on tho Real Property In an amount suffiCIent 10 aVOid application of any coinsurance clause. and With 8 standard mor1gagea clauso in favor of Lender. Grantor shall also procure and maintain comprehensive general llabllity insurance in such coverage arnounts as Lendor m<1Y rOQuest WIth Lender being named as addilional insureds in such liability Insurance policies. Additionally, Grantor shall maintain such other Insurance, Including but not limited 10 hazard, bUSiness interruption and bOiler Insurance as Lender may require. Policies shall be wntton by such insuranco companies and In such form as may be reasonably acceptable to lender. Grantor shall delivor to lender certificates of covGrage from each insurer containing a slipullllion that coverage will not be cancelled or diminished wllhout.a minimum of ten (10) days' poor wntten notice to l.ender and not containing any disclaimer 01 the insurer's liability lor failure to give such notice. Each insurance policy also shall include ar: endorsement prOVIding thai coverage in favor of lender will not be Impaired in any way by any act, omission or default of Grantor or any other person. Should the Real Property at any time become located In an area designated by Ihe Director of the FeCleral Emergency Management Agency as a special nood hazard area, Grantor agrees to obta;!n and maintain Federal Flood Insurance for the full unpaid plincipal balance of the loan, up to the maxImum policy limits set under tho National Flood Insurance Program, or as otherwise required by Lender, and to malOtarn such insurance for the term at the loan. Appllcallon 01 Proceeds. Grantor shall promptly notIfy Lender of any loss or damage to the Property If the eslimated cost of repair or replacement excoeds $500.00. lender may make proof of loss If Grantar falls 10 do so Within fifteen (15) days of the casualty. Whether or nct Lender's securily is impaired, Lendor may, al ils election, apply the proceeds 10 the reduction of the Indebtedness, payment of any lien affecting the Property, or the restoration and repair of Ihe Property. If Lender elects to apply the proceeds to restoration and repair, Grantor shan repair or replace the damaged or destroyed Improvements in 3 manner satisfaclOlY to Lender. Lender 511311, upon satisfactory proof of such expendllure, payor reimburse Grantor from the proceeds lor the reasonable cost of repair or restoration if Grantor IS not in default under this Mortgage. Any proceeds which have not been disbursed Within 180 days after their receipt and which Lender has n01 committed 10 the repair or restoration 01 the Property shal~ be used first te pitY any amount owing to Lender undGr this Mortgage, then 10 pay accrued interest, and the remainder, If any, shall be applied to the principal balance of the Indabtedness. If Lender holds any proceeds after payment in tull of the Indebtsdness. such proceeds shall ba paid 10 Granlor. Unex:pired Insurance at Sale. Any unexpired insurance shall inure to the benefit of, and pass 10, the purchaser of lhe Property covered by Ihls Mortgage at any trustee's ~Ie or other sale held under the provisions 01 thiS Mortgage, or at tlny foreclosure sale of such Properly. Compliance with Existing Indebtedness. DUling the period in which any Existlng Indebtedness descnbed below IS in effect, compliance With the Insurance prOvisions contained to the mstrument evidenCing such EXIsting Indebtedness Shall con~,tituto complianCD with tho insurance prOVIsions under thIS Mortgage, to tho extent compliance Wllh the terms ollhrs Mortgage would constituto 11 duplication of insurance reQuirement. It any proceeds from tho tnSlJrance become payabiu on toss, ~~.a ;::rc..':~:cr:s m th!5 McrtgtJQ(Io lor diviSIon of croceeds shall apply onty to that portion 01 tho proceedS not payab!e to the holdor of the EXisting Indebtedness. Grantor's Report on Insurance. Upon requesl at Lender, however not more than once 11 year, Granlor shall furnis~ to Lender a report on oach eXIsting policy of insurance Showli1Q: (a) Ihe name 011he inSUlor: (b) the n!:oks insured; (C) the amount 011he policy; (d) the property ,insured,the then current replacement value of such property, and tho manner of detorminmg Ihat valuo: and (e) the explra110n date of the poliCy. Grantor shalt. upon request of Lender, have an indepondeni appraIser satisfactory lo Lender determine the cash value replacemenl cost of the Property, EXPENDITURES DY LENDER. If Grantor taIls 10 comply With any prOVISion of thIS Morlgago, inctudlng any obligation to mamtaln Exis~ng Inoebtedn~s in oood standIng a~ required below, nr if any action or proceeding rs commenced that would malonally affect Lendor's interests In the Property, Lender on Grentor's behalf may, but shall ncl be reqUired 10, take any action that tendor dooms appropnate. Any amount that Lendor expends in so domg will bear interest at tho rato prOvided for in the Note from the dato incurred or paid by Lrmder to the dale ct repsymen1 by Granlor. All such expen~, at lender's option, Will (a) be payable on Clemand, (b) be added to the balance of the Note and be apportioned among and be pB~ablo With any installment payments to become duo ClunnQ e,llh6f (i) the term 01 any a.ppllcable insurance policy or (ii) the romQlning term of the No~e, or (c) be traatod as a balloon payment which will be due and payable at the Nato's matunly. Thrs Mortgago also will socum paymenl 01 the'"A amounts. The rights prOVided tor In lhis paraQraph shall be In 3.ddltion to any other nohts Qr any remedies 10 whIch Lender miy be entItled on account of the default. Any such actton by Lender $hall not be construl!'d as cunng the default so a!t 10 bar lender from any remedy lhat It otherwlSO WOUld have had. Grantor's obliga1ion to LcnClar for all such e):pense5 !ohan survive tho entry cf a.ny morlgage foroctosure Judgment. W ARRANTYi DEFENSE OF TinE. The tollowlng prOVl!olons rolatmg 10 owne~hlp of !he Proporty are i1 part of thIS MortgaQe. TlUe. Grantor warrants thaI: (a) Granlol holds Qoo::l a.nCl mar1o'.ctablo IIt10 of roeOl'd 10 thO Ploperty in 100 ssmple. tree and clear 01 all (iens lnd encumbrances oth(-f than IhCY..e sellorth in tho R~at Plopert)' d~nptlon or In tM EXI~tlng IndC'btedflC'sS soc1ion bolow or in any ttle in$urai"l(".8 policy. title report, or final Mo opInion l~sued 10 t3vOr ot, at'ld .1ccept("~ by. Lender in connocllOn With -thrs Mor1g3Qe. and (b) Grantor hu the lull nght. pOlNer. and .1ulhonty 10 execulo and oeliver thr~ Mortgage!o Lender. Otfen~ of T'ltIe. SUbjOC1 tt) the exceptIon :n the p3fagraph above. Gr.1.nlor WS,fltni:s. and will fOIC?ver ocle-nd ltIe title to the PropSlty agam!.t tha l.s'lo'fut claIms 01 all persons.. In the ('vent a.n)' ac110n or procl.'ed1r'\Q I!. commenced that qu~tlons Grantor's tltte or the Inleft.....' of L3nder Llndet" thIS Mortgsge. Granlor shall delend the acllon at Gra'110r's sxpom;,e. Granlor may be the nomina.l party iO SUCh pfOC(lcchn.,;.:, but le'nder "haft be entJtlC'd 10 partIC1palo in the prOCN!'CMQ arId 10 be r<,plC"...en1ed In the procoodl~ by coun!oel of LenCer" own choa. and Gra.ntor wilt dollvat', or C3U~ to be aelJvOfed. to LenOor !ouch ln~trum8nts as Lendat m.1.y requ~t Itom tUT\8 10 tIme to permit such partlclpabon. Compliance With l..BW$. Grantor wQrrant!l that the PropOl'ty and Grantor's use ot the Property comphas. ",,'11M all ex~bnw apphcable laWS, ordinances, and rOQulltlons of oo"emme~tat avthCY.Itle'S. EXISTlNG INOEDTEDNCSS. The foflCWI!"I~ pfOVI~ons. c,oncornln~ cx~t,n~ lnoebl~d~s (the "EXfS.tIOQ Indobtftdf"leS!.") Gfe' par10f ttns Mor1Q1.01l. 07-02-1998 MORTGAGE (Continued) Page 4 ~- ~ ==-.- - Existing Uen. Thll lien of this Mor1gage securing the lndebledness may bo secondary and Infenor to an eXlsllng lien. Granlor expressly covenants and agre05 10 pay. or see 10 the payment of, the ExISting Indebtedness and to provont any default on such Indebledness, any default under the instruments evidencmg such Indebtedness. or any default under any secUrity documents lor such Indebtedness. Default. If the paymanl of any Installmant of princIpal or any Interest on the EX1shng Indebtednoss is not made wlthln the limo required by the nolo eVidenCing sUCh indobtedness. or should a default occur under the ln~i1rumonl secunng such Indebtedness and not be cured dunng any applicable grace pancd therein. thon, at the option of Lender, the Indebtedness secured by thiS Mor1gago shall become Immodlately due and p.y.bl.. and Ihis Mo~g.ge shall be In dofaull. No Modlficallon. Granlor shal1 not enter into any agreement With the holder 01 any mor1gagc or other secunty agreement which has pnonty OVQr this MortgSIJ9 by which lhat agroemenlls modified, amended, extendod, or renewed Without tho pnor wntten consont 01 Lender. Grantor shall nellher request nor accept any futuro advances under any such secunty agreement Without tho pnor wnl:len consenl 01 Londer. CONDEMNATION. The follOWing prOVisions relating to condemnation 01 the Propertf are a pari allhls Mar1gago. Application a. Net Proceeds.. If all or any part ollhe Property is condemned by eminent domain proceedings or by any proceeding or purchase in lieu o' condemnatIon, Lender may allls etection require lhat all or any portIon oltha net proceeds of the award be appUed to tho Incebtodness or lho ropair or restoralion ollhe Property. The net proceeds 01 the award shall mean Ihe award aHer payment 01 all actual costs. expenses, and attorneys' fees incurred by Lender in connection wilh the condemnation. Proceedings. If any proceeding in condemnation is filed, Granlor shall promplly nolity Lender in wnling, and Grantor shall promptly lake such steps as may be necessary to defend the action Bnd obtain the ilward. Grantor may be the nominal party In such proceeding, but Lander shall be cnlillod to participato in Ihe proceeding and 10 be represenled in the proceeding by counsel of its own choice, and Grantor will deliver or cause 10 be delivered to Lender such instruments as may be requesled by it from time 10 timo 10 permil such partiCipation. IMPOSITION OF TAXES. FEES AND CHARGES BY GOVERNMENT AL AUTHORITIES. The following provIsions relaling 10 governmental taxes. fees and charges' are a part of this Mortgage: Current Taxes, Fees and Charges. Upon reQuest by Lender, Grantor shall execute such documents in addition 10 this Mortgage and take whatever other action is requested by Lender to perfect and continue Lender's lien on the Real Property. Granlor shall rOlmburse Lender lor all taxes, as doscribed below, together With aU expenses incurred in recording, perfecting or continUing lhls Mongage, including Without limitation all taxes, fees. documentary stamps, and other charges for recording or regIstering thIS Mortgage. Taxes. The lollowing shall constitute taxes 10 which this section applies: (a) a speCIfic tax upon this type of Mortgage or upon all or any part of the Indebtodness secured by thiS Mortgage; (b) a specific lax on Grantor which Gf3nlor is authorized or required to deduct from payments on Ihe tndebledness wcured by thiS type of Mo~gage; (c) a I"" on thiS type of Mo~gage chargeable against the Lender or the holder of the Note; and (d) a spQClfic tax on all or any portion 01 the lndebledness or on payments of pnnclpal and Interest made by Granlor. Subsequent Taxes. If any tax to which this section applies is enacted subsequent to lho date of this MOItgage, this event shall have the same effect as an Event of Default (as definod beiow), and Lender may exercise any or aU of its available remedies for an Evsnt 01 Defaull as prOVIded below unless Grantor either (a) pays Ihe l3X before It becomes delinquent, or (b) conlests the tax as provided above in the Taxes and Uens section and depos1is with Lendor casl, or a sufficient corporate surety bond or other secunty satisfactory to Lender. SECURITY AGREEMENT; FINANCING STATEMENTS. The following proVl;ions rolaling 10 Ihis Mo~gage as a socunly agreemenl are a pa~ 01 thIS Mortgage. Securtty Agreement. ThiS instrumenl shall constitute a secunty agreement to the exlent any 01 the Property constItutes fix1ures or olher personal property, and Lender shall have all of tho rights 01 a secured party under the Umform CommerCIal Code 3S amended from time 10 time. Securtty Inlerest. Upon reQuest by Lender, Grantor shall execute financing statements and take whatever other action is (aQuestact by Lender to perfect and continue Lender's secunty interest in the Rents and Personal Property. In addition to recording :his Mortgage in the real property records, Lender may, at any time and wHhout lurther authorization from Grantor, file executed counterparts, copies or reproductions ot this MOf1g!l~e as ! financing stajement Grantor shall reimburse Lend~r for all expenses Incurred in perfecting or continuing this secunty Interest. Upon default, Grantor shall assemble Ihe Pe~onal Property in a manner snd at a place reasonably corwenient to Grantor and Lender and make it available 10 lender WIthin three (3) days aHer receipt of wntton demand from Lender. Addresses. The mailing addresses 01 Grantor (debtor) and Lender (secured party', from which information concerning lhe s.ecUrlty mleresl granted by thIS Mor1gage may be obtamed (each as required by the UOllorm Commercial Co,je), are as sta,ted on tha first page of this Mor.;gago. FURTHE'.R ASSURANCE5j AITORNEY-If4-FACT. The following prOVIsions relating to funher assurances and attorney~n-fact are a part of this Mortgage. Further Assurances. At any time, and from time to time, upon requesl 01 Lender, Grantor Will make, execute and deliver, or will caU$9 Ie be made, exocuted or dolivered. to Lender or 10 Lender's designee, and when requested by Lender, cause to be flied. recorded. reflled, or rerocorded. as the case may be. 3.1 such tImes and in such offices Bnd places as Lender may dP.em appropnate, any and all such mortgages, deeds of trust, socunty deeds, secunty agreements, financing statemenrn, conllr.ualton statements. instruments of further assurance, cor1lficales, and other documents as may, in the sole opinIon of Lender. be neces5ary or de~lrabte in order to eHectua.te. complete, perfect. conllnue, or preserve (9) the obligations of Grantor under the Note, this Mortgage, and Ihe Relafed Documents, and (b) tho liens and 50Cunty interests created by thIS Mortgage on Ihe Property, whether now owned or hereafter acqUired by G~antor. Unless prohibited by law or agreed to the contrary by Lender In wnllng. Grar.tor shall reimbu~e Lender for all costs and expenses incurred in ccnnectlon WIth the mattt)fS referred 10 In this paragraph. Attorney-b..~act. If Grantor fails to do any of tho things re1erred to in tho preceding parag~aph, Lender may do so for and in tho namB of Grantor and at Grantor's e):;panse. For such purposes. G!antor hereby irrellocab!y appomts Ler.der as Gr3ntor's, attomey-in-fact tor the purposo 01 maJ..ino. C):'ACultng, delivonng, filing, recording, and doing all othor IhlOgS as may be n6Ces~ry or dcsir.:able, In Lender's solo opinion. 10 accomphs.h tho ma"lHS referred to 10 the procedlrtg paragraph. FU.1. PERFORMANCE. If Grantor pays 311 the lndebtedlless when due. and otherwl~ per10rms all the obbQ&flonS impo!oed up"n Grantor under this Morig~ge. Lendor !.hall execute and deliver to Grantor a SUItable salr!.factlon oj thIS Morlgage and SUItable statemen~ of tefminallon of any fmancing ~tatemen1 on hIe eVld€lllcing lender's s.acunly mtcrast in the Rents Bnd thG Personat Property. Grantor Will pay. If permltted by appliCabkllaw, any masonable terminatIon fee as determmed by Lender tram time to tima, OEFAll.T. Each of the f0110WlOv,.1t the optIon of Lender, shall constJIute an l?vcnt 01 default ("Event 0' Delault") under thrs Mor1g3Qa: Default on Indebtedness. Fallur(!! 01 Grantor to malo-a any payment y.'hen due on the Indebtedne--..oS. Default on Other Paym~ts. Failure 01 Granlor WIthin tho time reqUired by thIS Mor1gage to make any payment for taxes or insurance, or any other payment nocesS.tJ.ry to prevent filing of Of to cHad discharge of any l.en. 07-02-1998 MORTGAGE (Continued) P,age 5 - Compliance Default. Falluro:)1 Granier 10 comply with any other term, obligation, covenant or condition contained in this Mortgage, the Nolo or in any 01 tho Rolated Documents. Delault In Fevor 01 Third Pertle.. Should Grantor oelault unoer any loan, eldension 01 credit, secunty agreement, purchase or sales agreement, er any olher agreement, in laver of any other creditor or porson that may malenally aliccl any of Granlor's property or Grantor's ability 10 repay Ihe Nolo or Granlor's ability to perform Grantor's obltgatlons under thiS Mor1gage or any of tho Related Documents. False Statemenls. Any warranty, representation or staloment made or lurnlshed 10 Lender by or on behal! of Grantor under thiS Mortgage. lhe Nole or the Reinied Documents is !alse or rm:>lo~ding In any malenal respect, either now or allhe lime mac:lo or furnished. Defective CollelerallZZllUon. This Mortgago or any 01 the Related Oocumenls ceases to be in full force ilnd effect (including failure of any collateral documents to croale a valid and perfected sacunty intorest or lien) .11 any lime and lor any reason. Death or Insolvency. The death of Grantor or tho dissolution or termination 01 Grantor's eXIStence as a going business, the insclvency of Grantor, Ihe appointment 01 a racelver lor any part of Grantor's property, any assignment for the benefit of creditors, any type of creditor workout, or the commencement of any proccoding under an.,.. bankruptcy or Insolvency laws by or against Grantor. Foreclosurel Forfeiture, etc. Commencement of foreclosure or forielture proceedings, whelher by judiCial proceeding, sell-help, repossession or any other method, by any creditor 01 Granlor or by any governmontal agency against any of the Property. However, lhlS subsection shall not apply in the G~'ent of a good faIth dIspute by Grantor as to the validity or reasonableness of the claim which is Ihe baSIS 01 the foreclosure or foreleiture proceeding, prOVided that Grantor gives Lender wnllen notice of such claIm and lurnlshes reserves or a surety bond lor the claim satisfactory to Lender. Breach of Other Agreement. Any breach by Grantor under the terms of any other agreement between Gran~or and Lender that is not remedied within any grace penod provided therein, including wlfhou1limlfafion any agreement concerrung any IOdebledness ar ather obligation 01 Gamlor 10 Lenderi whether existing now or later. ExlsUng Indebtedness. A delaull shall occur under any EXISting Indebledness or under any instrument on the Property securing any ExISting Indebtedness, or commencement of any suit or other action to foreclose any existing lien on Ihe Property. Events Affecting Guarantor. Any of tho preceding events occurs Wit!'! respect to any Guarantor of any 01 the Indebtedness or any Guarantor dies or becomes incompetent, or revokes or disputes the validity of, or liability under, any Guaranty of the IndeblBdness. Adverse Change. A malenal adverse change occurs 10 Grantor's financial condition, or Lender believes the prosped 01 payment or performance of lhe Indebtedness is impaired. Insecunty. Lender in Qood failhdeams itself insecure. RIGHTS AND REMEDIES ON DEFAlA.T. Upon the occurrence of any Event Of D~fault and at any lime thereafter, Lender, at ItS option, may exercise anyone or more of the follOWIng nghts and remedies, in addlhon to any other rights or remedies provided by law: Acceleraie Indebtedness. Subject to applicable law, Lender shall have the right at fts option WIthout notice to Grantor to declare tho entre Indebtedness immecliately due and payable. utC Remedies. With respect to all or any par1 of the Personal Property, Lender shall have all the fights and remedies of a secured party under the Uniform Commercial Code. Collect Rents. Lender shall have (he right, WithOut notice to Granlor. to take posseSSIon of the Property and collect the Rents, including amounts past due and unpaid, and apply the nel procoods, over and above Lender's costs, against the Indebtedness. In tur1herance of this right, lender may reQuire any teliant or other user of the Property 10 make payments of renl or usa fees directly to Lender. If the Ronts are collected by lender, then Grantor ilTevocably desi~nates Lender as Grantor's attorneY..-ln-fact to endorse instruments received in payment thereof in the name of Grantor and to negotiate the samo a"d collect the proceeds. Payments by tenants or other users 10 Lendor in response to Lender's demand shall satisfy the obligations for which the payments are made, whether or not any proper grounds for the demand existed. Landar may exercise its rights under thiS subparagraph eithor in person, by agent, or through a receiver. Appoint Receiver. Lender shall have IhO nght to have a receiver appoinleo 10 take possession of aii 01 any p~u1 of the Prop8rtr', wilh 1M power to protect and preserve the Property, to operale the Property preceding loreclosure or sale. and 10 collect the Rents from the Proper1y and apply the proceedS. over and above the cost of th13 reco!Vers.hlp, against the Indebtodness. The receiver may serve Without bond If permItted by law. Lender's ngMt to tho appomtment of a receivor shall eXist whether or not the apparent value of the Prcper1y exceeds tho IndebtednBSS by a substantial amount. Employment by Lender shal! not diSQualify II. person from serving .1$ a receiver. ~- JUdIcial Fore-cIOSlJre. tender may obtain a judiCIal deeloo foreclosing Grantor's interest in all or any par1 of the Property. Posses.slon or thl! Property. For the purpO"'.:.B of procunng possession of lho Property, Grantor hereey authonzas and empowers any allor:lay of any court of r{'ICord In the Commonwealth of Pennsylvania or elsewhere, as attorney for Lender and all persons clalmmg under or through lender, to SIgn an agreement tor entering In any competenl cCJur1 an amicable aclion in eJOCtment for possession of the Property and to appear Icr and confess judgment agamsl Grantor, and agalnsl all pc~ons claIming under or through Grantor, for the recovery by Lender of possession 01 the Propeft;, Wfthout Sl'1Y stay of execution. for wtnch thiS Mongage. or a copy at this Mortgage venfied by affidaVit, shall be a suffICIent warrs.nt; and th~reupon a wnl of PO~!.eS$lon may be Is~ued forthWIth, Without any pnor Writ or proceeding whatsoever. NOnjudiclal Sale. If permitted by apphcat/1e law, LenGel may fol'ocIose Grantor's IOt€Y.cst In all or in any part of tho Personal Propor1y or the Real Property by nonjudiCIal !tale. Deficiency Judgment. Lender may obtain a judgment tor any deficiency remaimng 10 tho Indebtednoss dUB to Lender after application of all amounts recol\.'ed from the C):Crcl$O of the nghts prOVIded In thiS 5Octlon. Tenancy 81 Sufferance. If Grlll'lor rem31ns In pa:i~~lon of tho Property atter tho Property is sold as providC'd above or Lender olhorwlss baconlC:; enhtlcd to pO'".;.!.~::;10n of the Property upon de-fault of Grantor, Grantor !>hall become a tenant at sutfcranco of lander or the purcha!.ef of the Property ~nj ~h3.11, 41 Le-ndc."I'S o;)rion, elthBf (a) pay.. rfl.1,",onable re-ntal for the usa of the Property. or (b) vacato the PI'OpBrty Immediate!y upon tho dem3f'1d 01 LenoOl. Other Reme'dJts. LenOel !:.hall h:i:v/J aU other rlQhts and remeCjlcs prOVIded in thIS MortQsge or the Note or ava:labltt at law or in equity. Sale or the PrOPf'rTy. To lhe e)'.'!ent per mined by appllc:Jble law. Grantor hereby walvC$ any and aU ngh1 to ha'/e the property rnat'!>>halled. In e).BfC1slnQ Its n~ht!. and re:T'lO:::le. L@nOOf s.nali be flOO to wll all or any par1 01 the P~operty t0gettl~ or separately, In one sale or t>y $eparate sales. Lender $ha!l bt e-:1tltled to bId at any public ~Ie on all Cd any pOOlon of tho Property. Notice of Sate. londel ~ha~ gIve Grantor rcawnat:;1e notice- ct the tmlO and place of any publiC' S3.~ of the Personal Prop&rty or of the time atter whICh any pnvBle sa1c3 or olhElf Inlon00d d..J!.pos.thon of the P~onal Property is to be made. UnleSS OthOf~!IS6 requir&d by applicable law, 07-02-1998 MORTGAGE (Continued) Page 6 - -- =.t.'==__ reasonable notIce shall mean notice given at least len (10) days belore the lime of the sale or disposition. Walverj Election of Remedies. A waiver by any party of a breach of a provision of this Mortgage shall not conslilule a waiver of or prejudice tho party's rights otherwise to demand strict compliance with thai provision or any other provision. Elec~on by Lender 10 pursue any remedy shall not exclude pursuit 01 any other remedy, and an ejection to make expenditures or take action 10 perlorm an cbhgaUon 01. Grantor under this Mortgage aMar failure of Grantor 10 perform shall not affect Lender's righllo declare a default and exercise its remedies under thiS Mortgage. Attorneys' Fees; Expenses. If Lender institutes any SUIt or action to enforce any of tns lerms ot ttus Mortgage. Lender shall be entitled 10 19Covar such sum as the court may adjudge reasonable as attorneys' fees at trial and on any appeal. Whether ,or not, any court action is involved. all reasonable expenses incurred by Lender that in lender's opinion ara necessary at any time lor tho prolectlor. 01 Its interest or the enforcement of its rights shall become a part ollhe Indebtedness payable on demand and shall bear interest from the del,e of expenditure until repaid at the rate proVIded for in the Nole. Expenses covered by thIS paragraph include, WIthout limitation, however sublect to any limits under applicable law, lender's attorneys' fees and lender's legal expenses whether or not there is a lawsuit, including attorneys' fees for bankruptcy proceedings (including efforts to modify or vacate any automatic stay or injunctton), appeals and any anticipated post-judgment collection servIces, the cost of searching records, obtaining title reports (including foreclosure reporls), surveyors' reports. and appraisal fees, and title insurance, to the extent permItted by applicable law. Grantor also wlll pay any court costs, in addition 10 all other sums provided by law. NOTICES TO GRANTOR AND OTHER PARTIES. Unless othelWlse prOVided by applicable law, any nohce under thiS Mortgage shall be in wnling, may be sent by lelelacsimile (unless otherwise required by law), and sh~.1I be effective when actually delivered, or when deposited WIth a nationally recognized overnight courier, or, if mailed, shall be deemed effective when deposited in the United Slales mall first class, certified or regislered mail, postage prepaid, directed to the addresses shown near Ihe beginning of this Mortgage. Any party may change its address lor notk:es under this Mortgage by giving formal written notice to the other parties, specifying jf1af t"e purpose 01' the notice is to change the party's address. All copies 01 notices of foreclosure from the holder of any lien which has pnorlty over this Mortgage shall be sent to Lender's address, as shawn near the beginning of this Mortgage. For notice purposes, Grantor agrees to keep Lender informed at all times of Grantor's current address. MISCELLA~EOUS PROVISIONS. The following miscellaneous prOvisions are a part of this Mortgage: Amendments. This Mortgage. together wJth any Reli:i.ted Documents, constitutes the entire understanding and agreement of the parties as to the matters set forth in this Mortgage. No alteration of or amendment to this Mortgage shall be effective unless gIven in writing and signed by the party or parties sought 10 be charged or bound by the alterallon or amendment. Annual Reports. If the Property is used for purposes other than Grantor's residence, Grantor shall furnish to Lender, upon request, a certified statement of net operating income received from the Property during Grantor's previous fiscal year in such form and detail as Lender shall require. "Net operating income" shall mean all cash receipts trom the Property less an cash expendJtures made in connection with the operation of the Property. Applicable Law., This Mortgoge hos been delivered to Lender and accepted by Lender in the Commonwealth 01 PennsylvMla. This Mortgage shall be governed by and construed In accordance wilh the laws of the Commonwealth of Pennsylvania:. Caption Heedlngs. Caption headings in this Mortgage are for convenience purposes only and arB not to be used to Interpret or define the prOVIsions oflhis Mortgage. Merger. There shall be no merger of the interest or estate created by this Mortgage with any other interest or estate in tM Property at any time held by or for the benefit of Lender in any capacity, Without the wlltten consent of Lender. Multiple Parties. All obligations of Grantor under this Mortgage shall be joint and several, and all references to Grantor shail mean each and every Grantor. This means that each of the penions SII1nlng below IS responSIble for all obligations in this Mortgage. Severability. If a court 01 competent jurisdiction finds any provision of thiS Mortgage to be invalid or unenforceable as to any person or circumstance, such finding sha.1I not render that provision invalid or unenforceable as to any other persons or Circumstances. II feaSible, any such offending provision sl'lall be deemed to be modihed 10 be WIthin Ihe limIts of enforceability or validity; however, if the offending prOVIsion cannot be :;;0 :ncci~icd, it S~.3U be ~::1CKC:1 3.n~ a!l cH'la~ ~rc\'l$!c!'lS cf this MortGaG~ in aU oth~ r~p~ts shall remain valid and enforceable. Successors and Assigns. Subj~t to the limItations slated in this Mortgage on transfer of Grantor's inler~t, this Mortgage shall be binding upon and inure to the berlcfit of rhe parties, their helni, personal representatives, successors and assigns. If ownershIp of the Property becomes vested in a person other than G.antor, Lender, Without notice to Grantor, may deal WIth Grantor's SUCCQ'5sors with reference to thi!; Mortgage and the lndeblddness by way of forbearanco or extenSIon WIthout releaSing Grantor from the obligations 01 thIS Mortgage or liability under ;he Indebledness. Time Is of the Essence. Time is of the essence In tho pertormanco 01 this Mortgage. Wblyers and Consents. Lender shall not be deemed to have waived any nghm under thIS Mortgage (or under tho Related Documents) unless such waiver i$ in wnting and Signed by lender. No delay or omiSSIon or. the part of Lender in eK~rclSlnQ any right shall operate as a waIver of such nghl or any other right. A waiver by ar.y party of a prOVISIon of this Mortgage shall not constitute a waiver 01 or prejudice the party's nght olhclWise to demand stnet compliance Wtth that prOVISIon or any olher prOVIsion. No pnor waIver by Lender, nor any course of dealing between lender and Grantor, shall conslltule a waiver 01 any of Lender's ngtllS or any of Grantor's obligations as 10 any future transactions. Whenevef consent by Lender is reqUired In lhlS Mortgage, the granting 01 such consenl by Lender in any Instance shall nol constitute contJnuing consent to subsequent instances where such ccn5enl is reQUired. EACH GRANTOR ACKNOWLEDGES HAVING READ ALL THE PROVISIONS OF T'HIS MORTGAGE, A"'D EACH GRANTOR AGREES TO ITS TERMS. THIS MORTGAGE HAS BEEN SIGNED AND SEALI:D BY THE UNDERSiGNED. GRANTOR: x~../;O d-..A ~ . Paul D. ThruSll. Jr. /' (Sl:AL) x_~-P._,- r12-1A.='-"-___(SVJ.) Eleanor A. Thru~ , ~ ~bi~ 1Dttb, . I i I j " I ....,.,.AT_W.rr.nty OMd, .,,~ Foltn, Ad of UO'-'-"Tln,td ,or ",olo-'-.cofdlnl "1"1)1 HIU, tnc" lncll'''', ,.. MADE TilE H' of our Lord one tlwuiland nine hu"drt!d dii~ of S:t!(~ l<.. seventy-eight (1978) in the ~ear m:TWF.EN PAUL D. THRUSH and t-1ARY C. THRUSH, his wife, of :1 Dickinson Township, Cumberland County, PennsYlvania, hereinafter called Granto7'9 , and PAUL D. THRUSH, JR. and ELEANOR A. THRUSH, his wife, of R. D. #5, Box QS9, Carlisle, Cumberland County, Pennsylvania, hereinafter called Grantee s : IVITNESSETIl, that in eOMideratiG1l of One and no/lOO------------------------ ________________________________($1.00)---------------------- Dolmn, in h4nd paid, the receipt whereof ;. hereb~ ae/mow/edged, the .aid orantors do hereb~ grant and eonve~ to the .aid orantee s, their heirs and assigns, as tenants by the entireties ALL that certain lot of land with the improvements thereon situate r in Dickinson Township, Cumberland County, Pennsylvania, bounded and described as follows: BEGINNING at a spike in the centerline of Pennsylvania Route No. 174, on the line of land now or formerly of Glenn Gilbert; thence along the latter, North 10 degrees 00 minutes 49 seconds West, a distance of 189.93 feet to an iron pin on the line of land retained by the Grantors herein; thence along the latter, North '19 degrees 09 minutes 40 seconds Esst, a distance of 269.29 feet to an iron pin, thence along the same, South 08 degrees 01 minute 42 aeconds Esst, a distance of 187.00 feet to a. spike in the centerline of said Pennsylvania Route No. 174; thence along the latter, South 78 degrees 30 minutes CO seconds East, a distance of 262.88 feet to a spike, the Plsce of BEGINNING. CONTAINING .969 acres and being described according to a final subdiviaion plan for Paul Thrush, Sr., by Wilbur H. Clifton, R.S., dated June 29, 1978, and recorded in the Office of the Recorder of Deeds for Cumberland County, Pennayl vania, in Plan Book 33, Page 76 , and be~1g deaignated as Lot No. 1 thereon. BElIIG part of the same propert.;' whieh George W. Weitzel, widower, gr.anted and conve;'cd to Paul r>. TlU-U511 and Mary C. Thrush, his wife, Grantors herein, by deed dated August 17, 1948 and recorded in the ~,..^ ...~ .~A ~''':O rAlt lH..> I , \ EXHIBIT I _.__C__ .. AE: Account No.: ACT 91 NOTICE IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM. PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS _...3J1435::.30023 Date: November 3, 1998 TO: El eanor A Thrusll-'---' FHOM: . Financial TrlL~t..c;,Q.'-..._n... .____ ...._n_._ You may bo eligible for financial assistance that will prevent foreclosure on your mortgage If you comply willi the provisions of the Homeowners' Emergency Mortgage Assistance Act of 1983 (the "Act").You may be eligible for emergency temporary asslstanca If your default has been caused by circumstances beyond your control, you have a reasonable prospect of resuming your mortgage peyments, and if you meel other eligibility requirements established by the Pennsylvania Housing Finance Agency. Please read all of this Nollce. It contains an explanation of your rights. Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you musl arrange and attend a "face.to.face" meeling wllh a representative of this lender, or with a designated consumer credit counseling agency. The purpose otthls meeting is to attempt to work out a repayment plan, or to otherwise sellle your delinquency. This meeting must occur in the next thirty (30) days, /I you allend a face.to./ace meeting with this lender, or with a consumer credit counseling agency Identified In this notice, no furll1er proceeding in morlgage foreclosure may take place for thirty (30) days alter the date of this meeling. Tile name, address and telephone number of our representative is: Jack V Hutchison - ."1415'R itner.. H~IY . ..____..__n.____.._._---=====-::____________.---:--==_. Carlisle PA 17013 ,.el;pllOn~Numb~~_:_7fr~241 ~7}59 .. .____. -----..,,-----. The name(s), address(es), and phone numbers of (a) designated consumer credit counseling agency(ies) Is (are): YWCA '301-'(; S'treet..------- CarllilipA. 17013 It is only necessary to schedule one face-to.face meeting. You should advise this lender Immediately of your intentions. Your mortgage IS In defaull because you have failed to pay promptly installments of principal and interest. as required, lor a period of at least sixty (60) days, Tile total amount of the delinquency is $ 6,l.lZ.}3 ....... _... .n .. _.__, That sum includes lile following: _ ._)t]r, ee rnonthlY_.Raym$(?_n1~ of $2,005.59. for ,themOilths.of S.<;"flt._.Oct. and_Noy 1998_pJJJS .. a,ate chargeof 200.56 .___.._.___. ... . Your mortgage is also in defaull for the lollowll1g reasons: _______......__.......__. If you have tllod and are unable to resolve tl1is problem at or after your face.to.face meeting, you have the right to apply for financial assistance 110m the Homeowners' Emergency Mortgage {,ssistance Fund.ln order to do tilis, you must fill out, sign and fJle a completed Homeowners' Emergency Assistance Application with one of tile designated consumer credit counseling agencies listed above. /I,n application for assistance may only be obtained Irom a consume I credil counseling agency. The consumer credit counseling agency will assist you in filling out yoU! application and will submit your completed application to the Pennsylvania Housmg Fmance Agency. Your application must be IlIed or postmal ked, withlntl1irty (30) days of your face.to.face meeting. 11 i~ extremely impor/unt tl1m you fila your appllcr./lon plomptly /I )'ou do 110/ do $0, or tI )'OU do no/ foflOlI' tile other tlmo pOI/ods set :~)ftl1 in thi~ lefler, foreclosure mar pf'Clccc~i 5g::1/1151 your tlOn~(? Imrnco'ratcly. Avuil.;blo funds tor c'mergency rnortgi1g(~ aSSI~:(:nC(~ ole \'eIY lltnl!C{l They will bc~ c11sbursed by IIi\? A!JcI1CY l1ndt:'III~(? elig'I)llity criteria c~;tabri~jhed b}' the Act. H is c)(ln:mel~' lInpoltunt that your application 1)G' accurate ;md complete In e'iclY ICSpeCl, The P0nr.s~,lv,~f~la HOUSing Fln,'1!lco Agt?flCY has f~I)<Iy (60) days to make 0 dcci510:1 afler It !(-CC'!V(,!" YOUI' a.pplication OWing tll~1 ~~ddltlon;1j ~Imo, no loleclosure fH(}("nedings ,'nil be pursued against you d you h;~\'P 111(-t lhp.ltmp. IGquJ!('rrH~nts set fOf III nbc\!C'. You 'J,'III ho r-,:Jldit.ld dl'(~clly l'j'lhat ^gcrlt:)' of Its di?cislGn on your applic,':lllc,n. Tho F\:nll~~II\'i.:llla H(lu~;,ng Fll~nnce /,4,DCTil.Y l~~ 1,';;:lt'd ,.-:t .:.'~O' r~CI;~l Ffe!!,t S:rcet, Pr)~t 0111;':c Sox '~15=-;O. H.~,!II~burg. Pcnn~)'I\'ania '71 (lr.. Tnlcr,II()IH~ Nu. (717) 7BO.SaGO cr ,. BOO. ~.; ~'.23~~"7 {toll fr(:['< nUfnbc.! \ Prisons 1.1,1111 tl"nr'Zllred 1l('~lfln9 Ct.:, (;111 ~ 7 17) 780.1869, In atJalllon )'IIU m;~y H:'u!ivG anG1hCI r,eoliCi: ~rl,iil ::w.:; ler;n'c! un{!r r ACI (; \~,' 1~~7.~ -;-!l;,t r,otlcc I:; c;;llcd Ow '!Jolinc' c1 Inl('rlllon to r-orecIQ~ure" Yr,u nlll~ill(',HJ Do:h noliC( "'. :;11"'(( 1tit')' L,:':~t) f~)irl:~11i liqht., 1t"I,;.,1 )'LlI ("..::W I"id,'C' .mdl-I P('nn:;\'~\id'ila ILl\\' IiO\\'CI'CL 11 you r.hou~c l~) f'l(r.'lCI~.-.P YfJUr '1~.~!lb d(:~,CI iDCO In lrllS nc!'((' ycu (,~nr~()l tr k'rcclo~c'd upon v,n~lo )'CiJ ,'-"e ((-,C 1:".11"',9 !h::l a~~,IS1;mce. EXHIBIT J \- \'rIV ~'l;'\: ,;c.ur".. ------ I I ') / / I .' :'-:-__, .' / \... ( d' r, '- .. .. /( r, ~ r~;1,_,n"L.,"~1~<1..~~;~." ',..1.'~,'~_4) ~~':i 1(;';'bn62il't"1:: ,:'1\'f,?':\d:':~~'1n h,_rkout Offcr k.l" ....,.., /..- 1~d; 1';'(j'l;ns(.,~,I'".-, H.-\..:.;',g ,;" '1..\: "'.~l'l..t ....~_ , .1. tJ J, : i", 4 .~., -' .. I I1E: Accounl No.: ACT 91 NOTICE IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM. PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FU'~URE MORTGAGE PAYMENTS 313435-30023 Date: _N9vem1LeL3LJ998 . Paul 0 Thrush,'~r i:~OM:-~i'n-a'nCi ;nTru~~_Co:- . ..---. ..______._..-..---.--==~~:-:___ .:::':::=~::'= You may be eligible for financial assistance that will prevent foreclosure on your mortgage If you comply wllh tho provisions of the Homeowners' Emergency Mortgage Assistance Act of 1983 (the "Act").You may be ollglble for emergency lemporory assistonce If your defoult has been caused by circumstances beyond your control, you have a reasonable prospect 01 resuming your mortgage payments, and If you meet other eligibility requirements estebllshed by the Pennsylvania Housing Finance Agency. Please read all of this Notice. It contains an explanation of your rights. Under the Act, you are entilled 10 a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During tllat time you must arrange and attend a "face-to-face" meeting with a representative of this lender, or with e designated consumer credit counseling agency. The purpose of this meeting is to atlemptto worl< out a repayment plan, or to oth....rwise settle your delinquency. This mooling must occur in the next thirty (30) days. If YOiJ aHond u face-to.face meoting with this lender, or with a consumer credit counseling agency idenllfled in this notice, no fwtller proceeding in mortgage foreclosure may take place lor thirty (30) days after the date of this meeting. The l)8rne, .Qd.dr€lss and telephone number of our representative is: JaCK v Hutchlson 1415 Rither Hwy ... Carlrs1e PA 17013.---------.----.nm.---- ..--.. T I h"-'--N"-b-- 71F241-7759 Ie ep one um or: . . ,.. ..... _.... _. . _ The name(s), address(es), and pllone numbers of (a) designated consumer credit counseling agency(ies) Is (are): . YWCA .. .m_._.. ..._____ 301 GStreeJ; . . .._... _un__' Carlisle. PA 17013 illS only necessary to schedule one face.to.face meeting. You should advise this lender immediately of your intentions. Your mortgage IS 111 defaull because you have failed to pay promptly installments of principal and interest, as required, for a period of at least sixty (60) days. The tolal amDunt of the delinquency Is $ _6 ,217-.33 ....'___'''_n_. ,That sum includes the following: ~h~~ief~~~~~6~.' gp$~86~56LS-J .oo~.~_~~~_or the months of Sept. Oct&__.li()vemb.e!_1998.Pl~s = Your mortgage is also in defaull for the following reascns: ..... II you have tiled and are unable to resolvo this problem at 01' after your face-to-face meeting, you have the right 10 apply lor fin&ncinl assistance from the Homeowners' Emergencl Mortgage Assistance Fund. fn order 10 do Ihis, you must fill out, sign and file a completed Homeowners' Emergency Assistance Application wilh one of the designated consumer credit counseling agencies listed above. An application for assistance may o:1ly be obtained from a consumer credit counseling agency. The consumer clodit counseling agency will assist YOll in filling Ollt your application and will submit your completed application to the Pennsylvania Housing Finallce Agency. Your applicution must be fiied or postmarked, wilhin thirty (30) days of yeur face.lo-Iace meeting. /I is eX(f(!lI1<'ly i/llportant that you file your applIcation plO/llj:tfy If you do not do so, or if you do not follow tile othor timo pOI/ods ~;ot for II, in tills latter, foreclosure mny pfocccd Eigllinst your /lome immediately. l\vail.;lJlc fundr; for cmcrg(HiCy' mortgage ilSS!stance alC Vf!I'Y limited. They will be disbursed by the Agency under th~ CllgdJdity clitf~JIU e~.It;11)lslwd by tho Act, It is c>:trcllwly important that your appllt;lltlon be accurate and c.:omplclc In eve!,)1 respect. The Pennsylvania Housmg Finance Aget'lGy hilS ~~hdy (60) (jays to make: A 11f'Cls:on afler It receIves your application. Durmg that add:tlonallirno, no ICfcclosurc pfocccdin9:~ ,.,.,tlltH: pursued again!:>t Y0U 11 you hevo fnct lhc time- requlrcrncl11s SEt faIth ahove. You will be r.otlfH:~d dirccHy tJY ~hat ^~~l'ncy 0111':. dl'd~>I(lt\ nn your dpplict:~~ir,n. 'ltll: r'.-tHI:,.yl\ldllid liw,lslnq Fln<JnCf~ A,9C1ICY j~; 1[!:.::~lf!d:11 2101 r'>lol:!) Front Street, Post Ofllce Box. 15530, Hcrw:burg. Pennsylvama 17H6. 'l(;k'pl,'...'!H~ ('k. (717) 780.3800 UI 1.800<~,~2':?39i (toll tree number}, Pel sons Witll impaired heating CHn call (7'7) 780-1869. In mJditH,I!'I)'("I:J !rla}' 1(~f,l..'i'Jc ':;'1')Ul!lCl !'ir;\ic':{'l:u'I-1 H1r~j Icndd undu Act (:, of 1974 Th..~t nutlce is C03llcd the 't~()liCC of Intention to FOlccioSUfU" Y'.lU C,lLi:,l lC[l(] DC)ll) 1l00Ie('s. ~jmc(' w(>y r.'Clll ey.plGIII tl\~'lh t113t you nov\" 11'::','(; Untiel PC'nn~:,)'I'''<Hli~ I.J\',' Howe'.'.:'I, it you choo::.c (u (~)(DIC!:~-(} your Ilgh\5 dc~,cl.lj(' !l' 11' H. ,....,,~~, -. -"-"ct be toreclo~)cd upon '\,\11110 rOU 3m lece::vlng 111al aS$lstar1ce. I ~-=-_7-" ""\('Q~' -:-~ j / J '7"" \. c\.....l, . J C~lh >-(-"'~..p/ . ..' \:ir 101'1', D ht:f '" (j. 0 n \\on-out Offc -I Li: p( nnS/I'dl .& ~(U~ t'il] f ,n:;f,(p ;. (jC-:-,:y CG.:': tp rc-.:Chuj TOLL HE E ';.;1 , (E-CCi 3':2.2::9 _ t..."l .......M' ,-~ HI IN r'.l'~ 4: ],.'i~ / ( ,/ I .,. ,,,_:.' ../r/.-,,/X'...; . ...., /~~:. ~, . ..- ~~/ 5. Paul D. Thrush, Jr., and Eleanor A. Thrush, are the sole record owners in fee simple of said premises subject to said mortgage, by virtuc of a Dced dated September 25, 1978, and recorded in the Cumberland County Recorder's Offiee in Deed Book "B", Volume 28, Page 413, more specifically set forth in Exhibit "e", attached hereto and made a part hereof by reference. 6. Said note and said real estate mortgage arc in default because Dcfendants herein have failed to pay the payments that were due and owing for the months of September 1998, October 1998, November 1998 and December 1998. 7. The Plaintiff has given to the Defendants written notice of intention to foreclose on said mortgage as required by law under Act 6, dated November 3, 1998, a copy of which is marked Exhibits "0" and "E", and attached hereto and made a part hereof by reference. 8. The Plaintiff has givcn written notice of default as required by the Homeowner's Emergency Assistance Act of 1983, dated November 3, 1998, a copy of which is marked Exhibits "F" and "Goo, and attached hereto and made a part hereof by reference. 9. By reason of the aforesaid dcfault, the entire principal balance of One Hundred Ninety three Thousand Two Hundred Fifty-nine and 93/100 ($193,259.93) Dollars, with interest thereon at the rate of 10.75 % per annum computed from August 7,1998, along with attorneys fees now due and payable. 10. The Defendants are liable to the Plaintiff for thc following on said mortgage loan: A. Principal amount due to date $177,041.64 C. Late Charges D. Attorney's Collection fee 6,714.60 300.84 9,202.85 B. Interest due to date TOTAL: $193,259.93 "" , t,?]' '-=') "" ry , 3 \~cv'/; """Prlnclpal' "", ",LOa11 Date ,,,MB~~lty, !,i.j'#40s;ciO'?,' 07...;02';:'998,07"-02';'2013 References In the shaded sraa am for Lender's use onl PROMISSORY NOTE ,Initials articular loan or Ilem. Borrower: PaulO. Thrush, Jr. E1eenor A. Thrush dba: Thrush ExCllvaUng & PDvlng 972 West Old Vorl< Road cartlsle, PA 17013 Lender: Flnonelel Trust Company Main Olllca Ona West High Street cartlslft, PA 17013 - Principal Amount: $177,405.00 Date of Note: July 2, 1998 PROMISE TO PAV. Poul D. Thrush, Jr. end Eleanor A. Thrush ("Borrower") promise to pay to Flnenclal Trust COmpany ("lendar"), or order, In IeWfUI money oltha United States 01 Ame~CIl, the pnnclpel amount alOne Hundred SevenlY Seven Thousend Four Hundred Flve& OQ/10ll Dollars ($177,405.00), together with Interest on the unpaid pnnclpel balance Irom July 2, 1998, unlll paid In lun. PAVMEHT. Sublect to eny payment chenges resulting from chenges In \he Index, Borrower will pay this loan In act:Ofdence with the following payment schedule: 3G consecutIVe monthly prlnc:!paI and Interest payments at $2,005.59 eech, beginning August 2, 1998, with Interest celculeled on the unpaid principal balances .. en Intereat rate 01 10.750% per annum: 143 consecutive monthly pnnclpal end Inlerest payments In the lolll'" amount 01 $1,957.78 -", belllnnlng AUlJllst 2, 2001, with Interest calculated on the unpaid prtnclp21 ballII1Ce5 et DlIlnterest rate 01 4.500 percentage points over the Index de$Crlbed below: lIIId 1 pnnclpal and Inleresl payment In the InlUeI ernount 01 $1,958Jl4 on July 2, 2013, with Interest celculaled on the unpaid principal balances at"" Intereat rate 014.500 percentage points over the Indox dll3Cflbed below. This esUme!ed fln'" payment I. based on the IISSUmpUon thai all payments will be made eJUlCtly as Sl:heduled ","d the! the Index does not change: the actual flNll payment win be II)( all prlnclpallll1d lICCl'Ued Interest not yet pald, together with any other unpaid lInlOunts under tI,ls Note. Tho annual Inlerest rate for this Nolo is compuled on a 365/360 basis; thai is. by epplying the ra~o of the annual IntllleSt rate ow< a yaar of 360 days, multiplied by Ihe outstanding principal balance, mul~plled by Ihe ectual numbor of days Iha principal balance ts outstanding. Borrower win pay Lend... al Lender's address shown above or at such olher place as Lender mey deslgnete In wri~ng. Unl.... olherwise egreed or requlrod by .pplicablotaw, payments will bo applied first to accrued unpald Interesl, then 10 principal, and ony remaining amount to ony unpald colle:~on costs and 11:10 chargeS. VARIABlE INTEREST RATE. Tho Interest rale on Ihis Note is subject to change from time 10 time based on changes In an Independont Index which is the Weekly Average Yield on United Slates Treasury Securi~es. Adjusted to 0 Constant Malutily of Throo (3) Voat$ (Ihe 'ndox"). The Index is not necessarily the lowest rale cha/llOd by Lender on Its loans. If the Index becomes unavailable during tho torm of this loan, Londer may deslgnato · subs~tuIe Indox ofler notice 10 Borrower. Londer willlell Borrower lhe current Index rats upon Borrow.... request. Borrower understands lhat Lender may make loans based on other rates as well. Tho Inleresl rale change will not occur mom ollon Ihan oach THREE YEARS. The Index currently Is 5.750% per lII1num. The Interest rDte or rat.. to be applied 10 Ihe unpaid p~nclplll balance ollhle Note will ba the rale or rstes set IortII above In the "payment" secllon. NOTICE: Under no circumstances will the Inlomst rate on this Nolo be momlhan tho maximum rato allowod by applicable law. Whenaver Increases occur In thO Inlerest rate, Lender, at Its option, may do one or mora of lho lollowlng: (a) Increase Borrower's paymonts to en.ure Borrow"'s loan will pay 011 by Its original final malurity dale, (b) Increase Borrow....s peyments to c.- a=ulng Int....t. (c)lncroose lho number ot Borrower's peyments, and (d) continue Borrower's payments at Iho same amount and Incr08Sll Borrow..... final payment. PREPAYMENT. Borrower may pay without penalty all or a portion ollh. amount owed eafiler lhan If is due. Eatty payments will nOf, un!.... agreed to by lendor In writing, retieve Borrower of Borrower's obligation to continue to make payments undor the payment schedule. Rather. they will reduce the principal balance due and may result in Borrower making fewor payments. LATE CHARGE. If a payment Is 15 days or motIIlate, Borrowor will be charged 5.000% 01 the rellUllWIY lICheduled payment. DEFAU.T. Borrower will be In default If any of lhe following happens: (a) Borrower falls 10 mako any paymo"l when due. (b) Borrower breaks any promise Borrower has made to Lend.., or Borrower falls to compty WIth or 10 penorm when due any olher Iorm, obligation, covenant, lX condition contained In this Nolo or any ogrooment relaled 10 this Nato, or In any olher agreement or loan Borrower has with Lender. (c) Borrower dofaults under any loan, oxtansioo of credll, security agrooment, purchase or sates egroomont, or any other ogreomenL In favor of any other creditlX or person that may materiaiiy B""", any of Borrower's property or Borrow....s ability 10 rapey this Note or perform Borrow..... obllga~ons under this Nato or any of tha RoIalod Documents. (d) Any ropresentation or slatement made or ~Jrnlshed to Lendor by Borrower or on Borrowot. behalf Is faJso or misleading In any maierlal rosp<lCI eilher now or at tho time made lX ltJrnished. (e) Borrower dies or becomes Insolvent, a roceIver is appolnled lor any pa~ of Borrower'. property, Borrower mskes an assignment for lhe benoftl 01 crednors. or any procoodlng I. commenced eilher by Borrowor or against Borrower und... any bonkruplcy lX InsoIV9ncy laws. (I) Any ~ilor trios 10 lako .ny 01 Borrow....s property on or In which Londer has a Ilen or security Intorest. This Includes a garnishment of any 01 Borrow....s oceounls wilh Lender. (g) Any of lho events described In IhIs defaultlKlCbon OCCIn with respect to any guaramlX of this Nolo. (h) A material adverso change occurs In Borrower's financial condition, or Lender boIlovoS lho prospect of payment or ptllforri\B1'lC8 of the Indobtedness is Impaired. (I) Lond...ln good faith dOO"S Itself insocure. LEIIDER'S RIGHTS. Upon delsull. Lender may, aller giving such noticeS as required by applicable law, deClare the entre unpaid pnncipal balance on thls Note and all accruod unpaid Inlerest immediately due, and lhen Borrower will pay that amount. Lender may hire lX pay &omoooo else to help coIIeCIthis Noto II Borrower does not pay. Borrower also will pay Lender that amount. This Includes, aubjoct to any Hmlts undor applicable Isw, l.ll!1dor's attorneys' IooS and i.onder'. legal expenses whether or not thore Is a tawsuit. Including attorneys' I... and logalllJCPOllSGS for bankrlJplcy proceeding. ~ncluding oftons to modify or vacate .ny automallc stay or inJunction), appeats, ond any an\iclpalod posl-judgment coIloction services. It nal prohibi1ed by applicable law, Borrowor alloo will pay any cou~ cesl>, in addition 10 all other sums provided by law. If Judgment Is eolorod In connection wilh lhls Nolo, inleresl WIll continue to accrue on Ihis Nolo anor judgment al tho Interest rala applicable to U" Nota at tho time judgmomls entorad. This Note 11M been cIeIlvered to Lender and sccepted by Lender In the CommonweDllh of Pennaytvlll1la. II \here Is a I8wllUll, BorroWer agrees upon Lender'a req""slto submit to the ,urtsdlcUon 01 the coutte at Cumbertand Coun!y, tha Comrnonweellh of PennsylvonlL ThIs Nota shall be governed by and construed In act:OfdanCO with I1>a IlIWa 01 tho Commonwesllh at PenneylvMIa. RIGHT OF SETOfF. BOl1ower orants to LendEll' a contractual security InlOl1!St In. and hereby assigns, tonvvys, delivers, plodgos, and lranstors to l.ll!1dor al Borrower's right, tills and Inl(lfl2$t In and to. Borr her ChOCking, savings. or some olher sceounl), Including wrthout IlInllation all accounts held jOintly Wllh &Omeone e EXHIBIT y open in the future. excluding howllV<< aU IRA and KaOQh accounts, snd a. trust accouflls tor whICh tho gram 01 L i!)lled by law. Borrower authonZllS Lender, to lhe ex1ent perm!tted by applicable laW, 10 charge '" ..,ioTI oil su , any snd al SUCh accounts, an:l, at Lender'. opbOn, to sdmilllStrsbvely free1e all such aceount. 10 Bilow Lender 10 II nghls provided on lhis parsgraph. COLLATERAl... TIllS Nola is toCured by. In Iddrtlon to - dlltd JUly 2. '008, 10 Lender on reo! property localod In WHEN RECORDED MAIL TO; Rnanclal Tru.t Company c/o Keystone Loan Operations ATTN: Collateral Dept. 130 Cour1 Slreet, Po BoX 3187 Wllllamspor1, PA 17701 SPACE ABOVE THIS LINE IS FOR RECORDER'S USE ONLY MORTGAGE THIS MORTGAGE IS DATED JULY 2, 1998, between Paul D. Thrush, Jr. and Eleanor A. Thrush, whose address Is 972 West Old York Road, Carlisle, PA 17013 (referred to below as "Grantor"); and Financial Trust Company, whose address Is One West High Street, Carlisle. PA 17013 (referred to below as "Lender"). GRANT OF MORTGAGE. For valuable consideration, Grantor grlll1ts, bargain.. sell.. convey.. assign.. _.... releases. conftrms IIl1d mortgages 10 Lender aU of Granlor's righl. tille. and Interesl in and to the following described real property. together with all existing or subsequently erecI1ld or affixed buddlngs. Improvements and fixtures; all streets. lanes. alloys. passages, and ways; all easements. rights of way. aU Uberties, privileges, lenemenls. heredllaments, and appurtanancos thereunto belongil1\! or anywr.;e made appurtenant hareafter. and Ihe reVBl>ions and remainders with respecltherelo; all w.I.... water rights, w.lercourres .nd ditch rights (Including stock In utilities with ditch or Irrigation rights): .nd aI othar rights, royalties, .nd profits relating 10 me raal property. Including wilhoulllmit.tion .D mln...a1s, 011. gas. geothennal.nd similar m.llers.located In Cumberland County, Commonwealth of Pennsylvania (the "Real Property"): SEE EXHIBIT "A" ATTACHED HERETO AND INCORPORATED HEREIN BY REFERENCE. The Real Properly or its address Is commonly known as 972 West Old York Road, Car!laIe, PA 17013. Granlor presently assigns 10 Lender .11 01 Granlor's righi, lillo, and InlllRlStln .nd 10 aD leases ollhe Property .nd .11 Rents from the Prop.lrty. In .dditlon. Grantor grants to Lendar a Unilorm Commercial Code security inlerestln me Personal Property .nd Rents. DEFINITIONS. The loIIowing words shaU have Iha following meanings when used In this Mortgage. Tenns not otherwise defined In Ihls Mortgage shall have the meanlnas .ttribuled 10 such lerms In Ihe Uniform Commerdal Code. All references 10 dollar .mounls shall mean .mounts In l.wluI money of the Uniled Slales 01 America. ExI$1Jng Indebtedness. The words "Existing IndebledntlSS" mean lhe Indobtedness described below In the Existing Inclellledness sec1ion of this Morlgage. Grantor. The word '"Grantor" moans Paul D. Thrush, Jr. and Eleanor A. Thrush. The Glllntor Is lhe mortgsgor under thiS Mortgago. Guarantor. The word "Guarantor"" means and indudes without limitation each and an or the guarantors. suretll!$, and accommodation parties in connection wilh Ihe Indebledness. Improvements. The word 'mprovements" moans and includes Without limitation all existing and future Improvements. buBdlngs. structures. mobile homes affixed on lhe RaaI Proper1y. l.cilIUes. .ddltions, replacemenls and other con.lllJCtion on lhe Real Proper1y. Indebted""" The word 'ndebledooss" means all priOClpal and Inleresl p.yabls und...the Note ..nd ..ny .mounts expended or advanced by Lend... to discharge obli<;laUons of Glllnlor or expenses Incurrod by Lend... 10 enfon:e obligations of G<anlor under this Morlgage. togolher with Inle<est on such amounts as provided in Ihls Mortgage. In eddition 10 lhe Note. the word 'nclellledooss" Includ.. all obligations. cleIlts and liabilities. plus inlerest tharrton, of Granlor to Lender. or any onG Of mom of thom, as well as all dalms bV Lender against Grantor. or anyone or more ollhem. w_ now oxisting or _or ansino, whalhor relatod or unrelaled 10 the purpose oIlh. Nola, whether vofuntary or othotwise. whether due or not du.. .bsolute or contingenl. Iiquidatod or uniquidated and whelh... Grantor may be liable IndMdual1y or Jointly with others. whelher obligated as gU.lllnlor or 01_. and whether recovory upon such Indebledness m.y be or herea~er may become, - by any slaMe ollnnn.'bons. and whelh... such Indebledness m.y be or hereafter may bocome olharwlse unentorceabls. (tnillll Hero <;.".L,;;<'; I Lender. Tho word '1.end<lr" means Financial Trusl Company, Its s=~ .nd .soigns. Tho Lender Is lhe mortgagee under lhis Mortgage. Iobrlgage. The word 'l-.(o~gage" moans Ihis Mortgag. betwnan Gr.nlor and Lender. and includes wdheul kmllabon .. assianments and secunly intaresl prCMSions rola.ting 10 the PO!SOnal Property and Rents. Note. The word "Note" means the promissOl)' nole or credll agreemenl dollld July 2. 1998. In the original principal amount of $177.405.00 from Gr.nlor to Lendor. together With all renewals of, exlenstons 01. modifications of. refinancings of, consolidlbons 01. and substilubons lor the promissory nole or 'Of..mon!. NO":ICE TO GRANTOR: THE NOTE COHTAINS... VARIABlE INTEREST RATE. Pu$Ol1al Property. The woros "Porsonal Property" mean all OC/uipmenl. nXlu/'IlS, and other &rtlcI8s 01 ~ propo.1y now or hcn&flor awned by Granlor, and now or heroafi... au.ched or all\xed 10 the Real Property; tog.ther Wllh al accessions. parts. and Iddmons 10. at replocaments of, and aU substrtullons tor, any 01 such propsrty; and togelh... With .1 prOC8lldS ~ncIudlng wrthoutlimrtabon all in....nco proceods and """ods cl prem,",os) ~om any solo or other dlSPOSJbon otlhe Properly. Property. The word "Property" mean. col'.ectlvely the Rs R.... Proper1)'. The wOlds "Real Proparty" ITIN.n the pr Related Documenls. The words "Related Docu I IQI"88montv.. enwonman'.aI agreements. OUlranlM!S. ... documents, -*hether noW' Of here.l'ter embng, eJ.8Cuted I /\ \-;;- c::::rC11 erty. EXHIBIT B d above in the "Gront of Morlgaga" section. 'l&lion at pr1)mtUOl)' notes, ~ ll1WrMrm. loa" cl trusl. &nd at _ inLtru....ms. a;r_rm and 07-02-1998 MORTGAGE (Continued) Page 2 Ren'.. The word "Renls" means all presenl and fulura rents, ravanues, income, issues, royames, pronts, arod other benefits dartved ~om lhe Property. THIS MORTGAGE, INClUDING THE ASSIGNMENT OF RENTS AND THE SECURITY INTEREST IN THE RENTS AND PERSONAL PROPERTY, IS GIVEN TO SECURE (1) PAYMENT OF THE INDEBTEDNESS AND (2) PERFORMANCE OF ALL OBliGATIONS OF GRANTOR UNDER THIS MORTGAGE AND THE RaATED OOCUMENTS. TlilS MORTGAGE IS GIVEN ANO ACCEPTED ON THE FOI.lOWING TERMS: PAYMENT AND PERFORMANCE, ExeepIIlS olhe/'Wl5G pro\'ldad in Ihis Mortgaga, Granlor shall pay 10 Lendor ail amounts secured by Ihis Mortgage as lhey become due, and shall slnelly porlorm ell of Grentor'. obligetion. under this Mortgage. POSSESSION AND MAINTENANCE OF THE PROPERTY. Granlor ogroos thai Grantor's possession and use of the Properly shall be govornod by lhe loIlowing provisions: PosseSSIon and Use. Until In default, Granior may remain in possession and conlrol of and operate end manage the Property and collect the Rents from lhe Property. Duly 10 Maln'aln, Grantor shall maintain the Property in tenanloble condition and promplly ptlf10rm all repairs, replacements, :;nd lT1IIinlenanee necessary to preserve Its value. Ilazardous Substances. Tha lerms "hazardous wosle," "hl12l1rdous subslance," "disposal," "ralease," and 'hroetened releaSo," as used in Ihis Mortgage, shall have Ihe same meanings as sellorth In Iha Comprehensive Envuonmenlai Response, Compensation, ond liability Act 01 1980, as amended, 42 U.S.C. Section 9601, et seq. ("CERClA"), the Superfund Amendments and Reaulhonzation Act Of 1986, Pub. L N<l. 99-499 ("SARA"), lha Hazardous Materials Transportation Act, 49 U.S.C. Section 1801, el seq., lho Resource Conservation and Recovery Act, 42 U.S.C. Section 6901, at seq., or olher applicable slale or Federal taws, rula., or reguletions adopted pursuant to any 0' the foregoing. ThB terms "hazardous wasle" and "hazardous subslance" shall also includft, withoullimilation, petroleum and pelloleum bHlroducts or any fraction Iher80I and asbeslos. Grantor represents and warrants to Lender lhat (a) During the period 01 Grantor's own""'hlp Of the Property, lherlI has been no use, ganeration, manumcltJro, storage, lIeatmenl, disposal, release or Ihreatened release 01 any h!lZll/'dous waste or substance by any PInOn on, under, about or from lho Property; (b) Grantor has no knowledge of, or reason 10 believe thallt1ere has boen, except as previously disclosed 10 and acknowledged by Lender in writing, (i) any use, generation, manulaclure, slorage, treatmenl, disposal, release, or Ihrealaned release 01 any hazardous waste or subSlance on, under, about or from the Property by any prior owners or occupants o1lhe Proparty or (II) any 8ChJaI or Ihrealened litigation or claims of any kind by any person nlleting 10 such mall...; and (c) Excepl as previously disclosed 10 and acknowledged by Lender in writing, (I) neither Granlor nor any lanent, conlnlclor, agant or other aulhonzed user of the Property shoJI use, generate, manufacture, store, llea~ dispose of, or roIea.. any hazardous wasle or subslanco on, under, aboul or from lhe Property and (II) any such activity shall ba conducted in complianco wilh all applicable federal, slate, and iocai laws, regulations and ordinances, Including without IImllation those laws, regulations, and ordlnanceo described above. Granlor authori2es Lender and ils agents to enler upon tho Property to maka such Inspections and tests, al Granlor's expense, as Lendor may deem appropriale 10 determine compliance 01 the Property with this section Of the Mortgage. Any inspoctions or tests made by Lander shall be for Lender's purposes only and shall nol bo construed 10 create any responSiblll1y or llablllly on the part 01 Lender 10 Grantor or 10 any other person. The representations and warranllas conlalned herein are based on Granlor's due dillgenco In Invesllgating the Property for hazardous waste and hazardous sUbslances. Granlor hereby (a) mIoa.... and waives any fulurn claims agalnsl Londer tor indemnlly or conbibution In Iho evenl Grantor becomes liable for cleanup or olher costs under ony such laws, and (b) .graM 10 indemnify and hold harmless Lender against any and all claims, loss.., llabillllas, damages, penallles, and expenses which Lander may dlr8c1ly or Indirectly suslaln or suffer resulting ~om a breach of Ihis section 0' Iho Mortgage or as a consequence of any U58, generation, manulot:tlxe, sloroge, disposal, relea.. or Ihrealenad release of a hazardous wasle or subslance on tho properties. The provisions Of this section 01 the Mortgage, including lhe obligation to indemnify, shall survive the payment ollha Indebledness and the satistoctlon and reconveyance of the lien Of this Mortgage and shall nol be a_ by Lender's acquisition 01 any inlerest in the Properly, whether by lorecIosure or olhetwis&. Nu!sance, Waste. Grantor shllll nol cause, conduct or permll any nuisance nor commrt, pormll, or suffer any stripping Of or wasta on or to the Property or any portion ollhe Property. Wilhoul limmng Ihe generallly 01 tha loregoing, Grantor will nol remove, or grant 10 any other party tho right to remove, any tlmboc, minerals (Including oil and gas), soU, gravec or rock products without the prior written cansont of lender. Remo... Of Impro.emenls. Granlor shall nol domollsh or remove any Improvements ~om the Real Property withoul the prtor wrillen consent Of Lender. As a condrecn to too removQJ of a.ny Improvements. Lendef ma)' require Glantor 10 mako arrangements saastactory to Lender to repl6ce such Improvoments with Improvements of al leasl equal value. Lender's RIghI 10 Enter. Lander and ils agents and representatives may enler upon the Real Property al aIt reasonable limes to ationd 10 Lender's Inlorests and to inspect the Property for purposes ot Granlor's compliance with Iho terms and conditions Of this Mortgage. Compliance with Governmental Requirements. Grantor shall promptly comply with aD laws, ordinenc8S, and regulation., now or _fl8r in e!fect, of all govemmenlai aulhorities applicable 10 the use or occupancy 01 tho Property, Including without imilation, the Americans With DlsabiUties Act. Grantor may contesl in good fBllh any .uch law, ordinance, or reguiation and wilhhold compliance during any proceeding, Including appropriata appeals, SO long as Grentor has notified Lender In writing prior to doing so and so long as, in Lender's sole opinion, Lender's inlerests in tho Property are nol jeopardized. Lender may requ.e Grantor 10 post adoquata securily or a suroly bond, l'lI8Sonably satisfactory 10 Lander, 10 prolect Lender's interest. Duly to Protect. Granlor agree. I18Ilher to abandon nor le.ve unanended lhe PropGrty. Grantor shaJI dO all other acts, In addition 10 Ihose acts sot forth abOVll in Ihis section, which ~om the CharactOf and use 011"" Property are reasonably necessary 10 protect and pro_tho Property. OUE ON SALE - CONSENT BY LENDER. Lendor may, at Its op~on, d""""" Immedl8telY due and payable all sums secured by this Mortgage upon tho sale or transter, WlthOU1 the Lender's prior wotien consent, 01 all or any part of lho RoaI Property, or any in_ in the Roll Property. A "Sale or InlnsIor" rnaans lha conveyance of Real Proporty or any righ~ tilla or In_t lheroin; whether legal, benefi::iAI or equilab'-: wholher voluntary or involuntary; wholhet by outright sals, deed, inslallmenl sale contract, land conlracl. conllact tor deed, leasehold In_t with a lerm grHter than Itvae (3) ye&lS, leoS8-<1Ption contract, or by sola, assignment, or trans"" of any benef>c1al intemslln or 10 any land Irusl holding tilla 10 the RoaI Property, or by any olher method of conveyance 01 Real Property inlomst. If any Grantor IS a corporation, partnership or limited llabilily company, nnsler also Includes any change in ow"",..hlp 01 more than twsnty-live percent (25%) of lhe \'oting stock, partnership interests or lifT/led liability company i_ts. as tho CllSO may be, of Grantor. However, this oplion shaN nol be exarosed by Lendor ff such eKIlrClS<I is prohibited by lederellaw or by Pennsytvania law. TAXES AND LIENS. Tho lollowlng prOVISions relating 10 thillaK.l>s and hens on lhe Property are a part ollhtS Mortgage. Plymenl. Glanlor shaN pay whon due (and in aM swnts pnor 10 delinquency) alllaxas, payroll Iaxes, specjaI W:es, assauments, water charges and sew... SOfVlC8 charges Ieviod a\lOlnsl or on alXounl of tho Property, and .halI pay when due aD claims for wort< done on or tor tGMClIS ...,dll<td or malar18llurn~hed 10 the Property. Granlor shall maintain t"" Property ~.. 01 al hens haVIng prlonly O\W or equal 10 the ,_ 01 Lon"", undor IhIs Mortgage, CJ<Cepl for lhe Iron o1taxas and assessments no1 due, _I for the ExI.ting Indobledneu ~d 10 beI<:rw, and _I as Olhlwwrse proVidod In the loIIOWIng paragraph. RIghI To (;onle'" Granl", may Wllhhold paymenl 01 any lax, asSll<smant, or Claim in connecllon with a good tarlh dISPute .-Ihe obligation 10 07-02-1998 MORTGAGE (Continued) Page 3 pay, so long as Lenda<'s interesl in the Property Is nol jeopardized, II a lien arises or Is flied as a resull of nonpaymenl, Granlor shall wilhln flneen (15) days aner Ihe lien arises or, if ellen Is flied, WIthin fineen (15) days an... Grantor has nollee of the fllln9, secure tha d~ha'lle of the llan, or if requesled by Lend..., depOSit willi Lend... cash or e sufflcienl corporate surely bond or olher securily satislaclory 10 Lend... In en amounl suf1ldonl to d~hBfge the Ilen plus any costs end anamoys' fees or other chllr;les thet could accru. as a resull of a foreclosura or sala und... fhl lion. In any conlesl, Granlor shall d.lend Itsell and L.nder and shall sansfy any adv""", judgmanl b.lore anforcom.nl againsllh. Prop.rty. Granlor shall nama L.nd... as an addillonsl oIJligll8 und... any surely bond furnish.d In th. conlest prOC1lOdings. Evidence 01 Paymenl, Grnntor sholl upon demand furnish fa Lender sellsfllClory .vld.nc. 01 paymenl of Iho taxes or assessments and Shall aulhonze lha approprial. governmenlal official 10 d.IIver 10 Lond", al any tima . won.n slalam.nl 01 the Iaxes and essessm.nts egOlnstlh. Prop~rty. Nollco 01 Construction. Grenlor shell nollfy Lender alleast fifteen (15) days before eny worn IS commenc.d. any SllIViCes are Illrnlshed, or any materials are supplied to Ih. Property, if any mechenic's lI.n, m.tenalm.n's lien, or olher lI.n could be asserted on accounl 01111. woo1c, SBNIces. or materials Gnd the cost excoed3 $5,000.00. Grantor wiU upon request of Lender furnish to lendor advance assurances satisfactory to Lender that Grantor can and win pay the cost 01 such improvements. PROPERTY DAMAGE INSURANCE. The following provisions relallng 10 Insuring Ih. Property are a part of this MOI1\lag.. MolnlelWlCll 01 Insurance. Granlor shall procure and maintain policies of fire Insurance wilh slandard eJ.Iend.d coverage endorsements on a repLacemanl basis for Ihe full Insurable value covenng an Improvements on Ihe Real Propllll\' in an amounl sufficiGnllo avoid applicallon of any coinsurance clause, and Wllh a slandard mortgagee clause In favor of Lend.... Granlor shall also proclJl\l and malnlain comprehensive ganeral IlabWly Insurance In such coverage amounts as Lando< may r"'luesl with Lender being namad as addltionsl Insureds in such liability insuraoce palJcie3. Additionally, Granlor shall maintain such other insurance. Including bul n01limlled 10 haZard, business Inlerruption and boiler Insurance as Lender may requinl. Policies shall be wnnen by such insurance companies and in such form as may ba reasonably BCCUptable to l.nd.... Grantor shlIlI delivW to Lender certificates 01 coveraga ~om sach insurer conlalning a stipulallon thai coverage wW not be cancelled or dlmin~hed wdhout.a minimum oll.n (to) da~' prior written nollee to Lender and not conlalnlng any disclaimer of Ihe insurer's liability lor tailure to give such nollee. Each Insurance policy also shalllncluda an ondorsement prOviding lhat coverage In lavor of Lender will not be impaired in any way by any llCl. omission or default 01 Granlor or any olher person. Should lhe Raal Proporty at any Ilme become localed In an area designAted by lhe Dlreclor of the Fedeml Emergency Managemanl Agency as a special flood hazard area, Grantor agrees 10 oblain and maintain Federal Flood Insurance lor the 1u1I1Inpaid principal balance ollha loan, up 10 tho maximum policy Ilmlts sel under lhe Nallonal Aood Insurance Program, or as otherwise required by Lender, and 10 maintain such insurance lor lhe lerm of Iheloan. AppIlcatlon 01 Proceeds. Grantor shall promptly nollfy Lender 01 any loss or damage 10 tha Property il lhe esllmaled CO$I of repair or replacement exceeds $500.00. Lender may maka proof olloss il Grantor fails to do so wilhln flneen (15) deys olth. casualfy. What"'" or nol Lender's security is Impaired, Lend... may, al ils election, apply the prcceeda to the reducllon of Iho Indoblodness, payment 01 any IIan affecting the Property, or !he resloration and repair of the Property. II Lender elects 10 apply the proceods fa restorellon and repair, Granlor shaI1 repair or replaca lhe damaged or deslroyed Improvements In a manner salisfllClory to Lender. Lender shall, upon sallsfactory proof of such fIXIlOndllure, payor relmbu,"" Grantor ~om Ih. procoeds for the reasonable cosl 01 repair or reslorallon II Granlor is nolln delault under thls Mortgage. Any proceedS which have nol been disbursed wilhln leo days anorlheir roceipl and which Lender has nol commined 10 the repair or restoration of the Property shall be used ~t to pay any amount owing 10 Lender under this Mortgage, then 10 pay accrued inlerest, and Ihe remainder, II any, shen be applied to lhe principaf balance 01 lhe Indebtedness. II Lender holds any proceeds .n... payment in luI 01 lhe Indeblednass, such proceeds sha1I be paid to Granfor. Unexpired Insurance aI Sale. MY unexpired insurance shall inure 10 Ihe benafit aI, and pass la, the purchaser 01 lhe Property covered by thIS Mor1gage alany trustee's sala or olher sol. held under lhe provisions 01 lhis Mortgage, or al any foreclosure sate ol such Property. Complllw1ce wtth Exlsllng Indebtedness. DUling Iha period in which any Existing Indebtedness described below Is In lllfocl. compliance will1lh. Insurance prOvisIons contained In lha InstrumenlllVldencong such Existing Indebledness shall constiMe compliance wllh the Insurance provisions under lhis Mengage, to lhe extent compllance with lhe lerms of th:. Mengago wOllld constitule a duplleallon of insurance requiremant. II any proceeds ~om the insurance become payable on loss, the provisions in Ihls Mortgage Ier division 01 procoeds shen apply only 10 thaI portion of tt>o p""""",", nol payable Ie lhe holder 01 the Existing Indebbldri8<.s. Granlor'a Repor1 on Insurance. Upon requesl of Lender, however not more Ihan once . year. Granlor shan Illmlsl) to Lender a report on each OXISllng polq 01 insurance showing: (a) the name of Iha insurer; (b) lhe risks insured; (c) the amount of the policy; (d) th. property Insured, !he then currenl "'Placement value of such property, and Ihe manner 01 del9rmining that value; end (0) lhe expiration data of1he policy. Grantor shall, upon request ol Lender, have an indepenllent appralsor satlslllClory 10 Lender delermlN lhe cash value replacament CO$t of tho Property. EXPEHDITlJRES BY LENDER. II Granlor fails to comply wrlh any provision 01 tM Mengoge, Including any obligation 10 maintain Ellisting Indebledness In good slandlng as requlrod balow, or rlany action or proceeding is commanced thaI would malerially affecl Lender's inleres\$ in the Property, Lender on GranIOl's behalf may, but shall nol be required la, laka any action lhal Lander deems appropriate. Any amount lhal Lond'" expenda In so doing will be8t In_I althe rate proVided Ier in lhe Nola from lhe date Incurred or paid by Lender 10 lhe data of repayment by Granier. AI such expenses, al Lendel's opllon, will (a) be payablo on demand. (b) bo added 10 Ins balance of lhe Note and ba apportioned among and be peyable wrth any installmenl payments to become duo during..!her (I) lho term of any applieablo Insurance policy or (.)lhe rerr.alning term 01 the Note, or (e) be Ir1o&Iad as a balloon peymont which wI be due anO payable at the Note's matunty. This Mengage also will secure paymenl of lhese amounts. Tht right< provided fer in this patagraph shall be in addition to any olher rights or any remedieS 10 which Lender may be entitled on account of tho default. An'( such action by Lender shal n01 be co""trued as cunng the deftju~ so as to bar Lender ~om any remedy that rI olherwlsa would heve had. Grantor's obllgallon Ie Lender lor all such expenses shall SUfVlV8 lI1e entry 01 any mengage foreclosure judgment. WARRANTY; DEJ'EllSE OF TInE. Tho loIlowing prOVIsions relating to ownership of the Property are a part of this Mortgog.. Title. Gramer wllmlnts thai: (a) Grantor holds good and marlie1atlle tillo of record to the Proper1y In lee Simpla, tree and clear of all liens and encumbrances other than those sat torth in tho Real Proper1y descnpbon or In the Elosllng Indebtedness section below or in any title .nsurance policy, title "'Pen, or finsllitla opinion ISsued in lavor of, and accepled by, Lender In connection Wllh thIS Mengago, and (b) Grantor has the fuR nght, power, and lu!henry \0 e_ and deliver lI1is Mortgoge 10 Lender. Dolen... of TItle. SubjOC1lo the excepl>on ,n the PNagraph above, Gr1ntor warrants and WI. lorll'VOl' def~d lhe tillo to lhe Property aga.nsl1he IawfU cla<ms of all per>ons. In 1he IfV8nI Vly llClJon or proceedlng is commenced thaI Questions Grantor's title or \he interest of Lender undor Ihls MC>1QagO. Grantor slla. deI..nd tho aCtion at Giamor's exponse. Granlor mey be tho nomlnsl par1y in such proceeding, bull.end<lr slla' be _ 10 participate In the proc:eedl'lg and 10 be represenled In lhe proceeding ~y counSlli 01 Lender's own Cl'loiea, aMd Grantor will deilvor, or cause 10 be Clell\llll'ed. 10 Lender such ~1nJmenb as Lender may rBQ~ ~om bmo 10 timo 10 perrnd such partle>paUon. ComplIance WIlli Uws.. Granlor wlII'TlInlS thai the Property and Granlor's use of the Property compi<os WIth all BXlShng appl>cabla laWS, or1lll1&nces. and regulatIOns of go""",mentai au1_. EXISTING tHOEllTEDNESS. Tho follOWIng p'"""",ns conCOtnJng .xrshng ,ndebtedness (Ihe "EXI$bng Indeblodness' are a part of ttcs MOI1gOge. 07-02-1998 MORTGAGE (Continued) Page 4 ExIsting Uen. The lien 01 Ihis Mongage SllCunng Ihe Indeblednll$s may be secondalY and infalior 10 an exisllng lien. Granlor expressly covenants and agreos 10 pay. or sea 10 Ihe paymenl of. the Eidsllng Indebledness and 10 prevenl any delault on such indebledness. any dtlaull under Ihe Instrumants ovidancing such Indeblednass, or any defaull under eny secunly documants for such Indebledness. Dehlult. If Ihe paymenl of any inslallmenl of plincipal or any Inll!f1lS1 on Ihe Elasllng Indeblednes., is not made wilhin Ihe lime required by the nole O'J1dancing such Indebledness, or shOUld a d<l1aull occur under lhe inSlrumenl socunng SUCh indabtedness and not be cured during any appllcabkl grace peliod therein. Ihen. allhe opllon of Lander. Ihe Indebledness securad by this Mortgage shall become Immedlalaly due and payable. and lhis Mortgage shell ba in delaull. No Modlllcatlon. Granlor shall nol enler Inlo any agreemanl wllh Ihe holder 01 any morlgage or olh... seculity agreemenl which has pnonly CMIt Ihis MOr1gaga by which Ihal agreemenl is modified. amended. extended. or ranowed wllhoul Ihe pnor wnnen consenl 01 Lender. Granlor shall neilher request nor accept any IuIura advances undor any such seculity agreement Wilhoullho plior Wlinen consenl 01 Lender. CONDEMNATION. The follOWIng provisions ralallng 10 condemnollon of the Proporty"", a part of thIS Mor1gage. Application or Net Proceeds. If all or any p.n of Ihe Property is condemned by emlnenl domain proceedings 0< by any proceeding or pUIChose Ii, lieu of condemnation. Lend... may allts elec1Jon require Ihal alt or any por1lon 0' Ihe nel proceeds of Ihe aWlUd be applied 10 lhe Inallltedness or lhe repair or restoration at the Proporty. The net proceeds of the uward shall mean lhe award after paymenl 01 an actual costs, expenses, and anorneys' teas incurred by Lendor In connection wilh the condemnation. proceedings. If.ny proceeding In condemnallon is filed. Granlor shaU promplty nouIy Lend... in wnung. and Granlor shail promplly lake such steps as may be necessary 10 defend the action end obtain Ihe award. Grantor may be Ihe nominal party In such proceeding. but Londer shaD be onUIleD 10 partlclpalaln lhe proceeding and 10 be represented In Ihe proceeding by counS81 of Its own choice. and Granlor wUI deliver or cause 10 bo deUvorod 10 Lendor such instruments .s may be req_ted by II from lime 10 lime 10 permll such participellon. IMPOSITION OF TAXES, FEES AND CHARGES BY GOVERNMENT AI. AurnoRITIES. Tho following provisions relallng 10 go_nmentai taxes. flies and charges'"", a part 01 Ihls Mor1gage: CUrrent Toes, Feea and Ch....ges. Upon r.quesl by L.ndar. Granlor shall executa such documents In addition 10 this Mor1gaga and tak. whala_ olher acllon Is raquested by LendAr 10 perlect and continue L.nde(s lien on lhe Real Property. Granlor shall reimburse Lendo< for all taxes, as described balow, logether with aU expenses incUrTed In recording. perfecting or conllnuing Ihis Mor1gage. Including withoul timllallon aD taxes. flies, docum.nlary slamps. and other charges for recording or registaring this Mor1Qage. Taxes. The foUowing shall consUtule taxes 10 which Ihis seellon applies: (a) a specific tax upon Ihls type of Mor1gage or upon all or any part of lhe tndebledness secul9d by Ihis Mortgage; (b) a spOOfic tax on Granlor which Granlor ts aulhor1zed or required 10 deduct from payments on lha Indebtedness secured by Ihis type of Mortgege; (c) a tax on Ihls type of Mor1gaga chargaable agalnslthe Lender or Iha hold... of lhe Nolo: and (d) a sQ<lCific tax on all or any portion ollha Indebledness or on paymena of pnoope1 and interest made by Granlor. SUbsequent T/1lles. If any tax 10 which Ihis secllon applies is enacled subsequenllo lhe dale 01 Ihis Mor1gag.. this ."",nl shall haw lhe same .ffocI as an Evenl of Delaull (as donned billow). And Lend... may exen:tse any 0< an of Its available remedies for an Evenl of Defaun as provided below unless Granlor oilh... (a) pays lhe tax belora II becomes datlnquent. or (b) conlests the tax as provided abo"" In the TIXllS and Liens secllon and doposits Wilh Lender cash or a sufficienl corporale surely bond 0< olh..seculily saUsfactory 10 Lende<. SECURITY AGREEMENT: FINANCING STATEMENTS. Tho following provisions relaUng 10 Ihls Mor1gag. as a securily agreement"'" a part of this MOr1gage. Secwlty Agreement. This ins,",menl shaU conslltule a secunty agreemenllo lhe axtenlany of the Property consUMes fixtures or olher personal property. .nd L.nder shall hove aU of the rights of a secured party und...lhe Unrtorm Commercial Coda as amended from time 10 lima. Security Interest. Upon request by Lender. Grantor shaU execute financing statements and take whatever olher action is reque:;lad by lAtnd... 10 perfect and continue Lendet's seculity inlen.'5t in the Rents and POOIonal Property. In addition 10 recording this Morlgage in the reoI property records. Lender may. at any time and without further authorization from Grantor, file executed counterperts, copies or reproductions of this MOr1gage as a financing slalement. Granlor shell roimbUlSO Lender lor aU axp..... Il1CUIT8d in pertecting or continuing Ihls secur1ty Interest. Upon delaulI, Granlor shall as..,mblelhe ~oMl Property In a man_ and ala place reasonably con"",,",nl 10 Gl1Inlor and Lendo< and mal<all available to Lend... Wllhln Ihree (3) days aller recelpl Of wnttan demand from Lander. Add"'...... The malUng addresses of Granlor (deblor) and Lender (S6CUIlld party), from which information concerning lhe security inltnr>t granled by this Mortgage may be obtained (oach as required by lhe Unllorm Commerdal Code). "'" as staled on the finll page Ollhis Mortglge. RJRTlER ASSURANCES: ATTORNEY-IN-fACT. Tho loIlowing prOVISions relating 10 further assurances and anor""l'"'n-Iact 111I a part of !his Mortgage. FlII1her Aoauranees. At any 11m., and from time 10 time. upon request 01 Lend.... Granlor wiU m.k., execulo and dalivllr, or d calM 10 be made, axecufed or delivered. 10 Lander or 10 Lendet's de$ignoe. and when requesled by Lender, causo 10 be filed. nlCOlded, retiI<<I. or rerecorded. as lhe r.... may be. al such limes and in such o!ficas and placos as Lender may deem appropriate. any and aR such mortgages. deeds of trusl. sacunty deeds. secunty agreamenis. filll1llClng statements. ccntinU4tion statements. instruments of turther assural'lCfj. cerlllicales. and othe< documents as may. in lhe sole opinion of Lender. be necessary or d_1e in o<der 10 elfectua18. complele. per1ec1. continue. or prISlJVO (a) lhe ebligalloll$ or Grantor under lhe Nolo. this Mortgage. end lhe Aelaled Documants, end (b) Ihe IIBnS and securlty im.rasts craal.d by IhlS Mortgage on the Property, whelher now owned or _ acquired by Granlor. Unless prohlbl1ed by law 01 egreed 10 the conlrary by Lender in writing, Grantor shall reimbUlSO Lender 10< aR costs and expenses incUrTed in connoctlon with the mallerl refetrod 10 In !his paragraph. AIIomey-lll-Fact. 11 Gran!or lails 10 do any of the Ihlngs r_red 10 in the preceding paragraph. Lender may do 10 Ier arod In the name 01 Granlor end al GrantOl's expanse. For such PUl])OSOS, GnlnlOl _y irrevocably appOInts Lender as Granlor's an~~act 101 the P'"1>- of ma\(lng. execuUng. dollvanng. fikng. recorCllng. and dOIng aR other Ihlngs as may be necauary or desnbia, in LenW. IOle OPInion. 10 accomplish the man"" referred to in the preceding paragraph. FUJ. PERFORMANCE. II Gnlnlor peys aM Ihe IndeOledness when Due. and olh.......... penorms eti lhe ebhoarions imp_d upon Gra_ under !his M<V1gage. Lander shaJI axecuta and d_ to Granier a sul1able sati;lac\lon of thIS w'or1gaga and SUitable SllllemenlJ 01 tarmlnaliOn 01 any finanong statement on file 8Yldencing Land....s secunty InIOl911 in lhe Rents and lhe P=onal Properly. Granlor W1II pay, d permrlled by applicable taw. any _able lonTllMtion foe as del...mmed by Lendo< from rime 10 lime. OUALC.T. Each of the fOllowing, al the option of LanOlJ..haR constiMe an evenl of elelaull ("Evenl of Detaull; unw thIS "'or1.age: De/lUll on Indlllltlldneaa. FAIlure of Grantor \0 maka any payment when due OI1lhe Indebledness. Delau,t on Other Poymenla. FaRure of Granlor WIlhln the time requlll!d by thIS lA~sga to make any paymttnl for tax.. or i"'....~. or any _ payment I10CllSUry 10 prevenl riling 01 or 10 alIecI dl>ctlarge of any 11eO. 07-02-1998 MORTGAGE (Continued) Page 5 CompUlII1C8 Delllull. Failurn 01 Granlor 10 comply with any olher lerm, obligation. covenant or condition contained in Ihi. Mortgage, the Note or In any ollhe Related Documents. DeteUllln Fever 01 Third Pat1les. Should Granlor dofaull under any loan, extensinn 01 credit, secunly agreement, purchase or sales agreement, or any other agreement, in lavor 01 any other credllor or par.;on thet may matenally a!fect any 01 Grantor's property or Grantor's abUIly 10 repay the Nota or Grnntor's abillly 10 per10rm Gmnto~s obllgallons under this Mortgsge or any ollhe Related Documents. False Slalemenls. Any warranly, rvpresentation or Slalemenl made or lurnished to Lendor by or on behaJl 01 Granter undcr IhCl MOItgags, the Nole or the Relaled Documents Is IaIsa or misleading in any metarial respacf, althar now or at the lime made or lurnishad. Detective ColleleraJlZallon. This Mortgage or any 01 the Related Documents C84SIB to be In fullloree and eN""1 (Including lailum 01 any collataraJ documents to creale a valid and perlected secunly Inlerast or lien) alany lime and lor any reason. Death or InSOlVency. The daath of Granlor or the dissolullon or termlnallon 01 Grantor's BXislence as a going business, the Insolvency 01 Grantor, the appointment 01 a receMlr lor any pan of Granlor's property, any assignment lor the beneftl 01 credllors, eny typa of credilor wor1<out, or the commencement of any proceeding under any bankruptcy or insolvency laws by or against Grantor. Foreclosure, ForIeltufl!, ele. Commencement of loraclesure or fonBllure Proceedings. whether by Judicial proceeding, sell-help, repOSsession or any other mothod, by any credllor 01 Grantor or by any governmental agency againsl any 01 the Property. However, thIS subsectJon shell not apply in the ..onl of a good failh disputa by Grantor os 10 lhe validily or reasonablonass of Ih. Claim whICh is the basis of Iho foreclosure or forofeiluro proceeding, provided that Grantor gl- Lender wrillen nollce of such claim and fumishas resorveo or a surely bond lor the delm satisfactory to Lender. IlreIlCh of Oth'" Agreement. Any breoch by Grantor undor the Illmls 01 any ofllar agreement between Grantor and Lender thet is not rnmodied within any Groce period proVidod thern;n, including wilhoulllmitation any agreemont concerning any indebtedness or other obligsllon of Grantor 10 Lender, whether wclsllng now or laler. ExllUng Indebledness. A dalault shall occur under .any Exisllng Indebtednass or under any instrumanl on the Property socunng any Exisllng IndebtRdness. or commencement Of any suit or other action to foreclose any existing lien on the Proporty. E_te A!!._=ny Guar.,tor. Any of the preceding events occurs with respacf to any Guamntor of any ollhe Indebtedness or any Guarantor dias or becomes Incompetent, or revokas or disputos tha velld.'ly of, or liabillly under. any Guaranly of the Indebtedness. Allve~ CluInge. A matorial adverse chango occurs in Grantor's financial condition, or Lender believes tha prospect 01 paymenl or perlormanca of lhe Indebtedness Is Impeired. Insecunly. Lender In good lailh deems !1saI1 Insecure. RIGHTS AND REMEDIES ON DEFAlI.T, Upon the OCCulTOnce of any Event Of Default and al any time thereafter, Lender, at its opllon, mayaxerCisa any ona or mora of the following nghts and remedias, in addlllon 10 any other rights or remedies provided by law: Ac<:eJerale Indebtedness. Subject 10 applicable law, Lender shall have the right at its opl/on without nollce to GrMtor to doclore the enllra tndebtodness Immediately duo and peyeblo. UCC Remedies. With respacf to all or any pari of the Personal Properly, Lender shall have aU tho rigllts and remedies of a secured party under the Uniform Common:iaJ Cnde. CoItecI Rents. Lender.haII have the nghl, withoul notica to Grantor, to take possession of the Property and coIleclthe Rants, Including amounts past duo and unpaid, and apply the not proceeds, over aod above Lendo~s costs, against the Indebtedness. In funheranca of this right, Lender may require any tenant or ofher user 01 the Property to make payments 01 rent or use fees direclly to Londer. If the Rents are collacfed by Lender, then Grantor irrevocably designates Lander as Granlor'. eftornoy-jr>-lacl to endorse instruments _ in payment Ihtlf80Iln the name 01 G,.nlor and to negolialo the same and collect the Proceeds. Payments by tenants or olher users 10 Lender In response 10 Lend.... demand $hell satisfy the obllgallons tor which Ihe payments are mada, whather or not any proper ground. for lhe damand Oldsled. Lendor may 8X8ICisa Its rights under this subparagraph either In person, by agen~ or through a rec9Ivar. AppoInt Receiver. Lend... shaD have lhe righllo have a rec9Ivar appo;nted to tako pOSSllSSion 01 all or any pari of the Properly, with the power to prolect and J)I8S9rV8 the Property, 10 operate the Property preceding loraciosure or sale, and to colIeclthe Rents from tho Property and epply the proceeds, ~ and aboll9 the cosl of the rocoivarshlp, against lhe Indebledness. The r""""",," may S9IVB wllhout bond it permilted by law. Lender's righllo lhe eppoinlmenl of a racaiver .hall exlsl whether or not tho apparent value of the Property """"",,,s the Indebtedness by a .ubSlantlal amount. Employment by Lender shell not disqualify a person from serving as a _"". Judll:llll Foredowfl!. Lender may oblaln a Judicial d9c:rooloraciosing Gra.ntor'. interastln an or any part of the Property. Posaeallon 01 lIle Property. For the purposo of procurlng possession ollhe Property, Granlor her8by authori_ and empowers any allaney of any coun of rocord in the Commonwealth of Penns)1vania or etsewhero, .. allomey lor Lender and sJl persons claiming under or thrOugh Lender, to Sign an agreement for enlllling in any competenl courl an amlcabla edion In ejectment for possession 0I1ho Property and to appear for and confass Judgment againsl Grantor, and against all persons claiming under or Ihrough Grantor, tor the recovG<y by Lender of Possession of the Property, without any stay Of exocullon, lor which this Mortgoge, or a copy of IhiS Morlgage venfied by allldavil, shall be a sufIIci""t warran~ and thereupon a writ of possession may be i$sued lorthwith, without any pnor wnl or proceeding whatsoewr. Honludlclal SaIll. II pennllfed by applicable law, Lender may foreclose Granlor's interest In aD or in any part 01 the Personsl Property or the Real Property by nonjudicial sale. D6ftc:Iency Judgment Lender may obtain a Judgment for any defiCiGncy remaining in the Indebtedness due to Lender aftu appliCatIon of all amounts""""ved Irom the oxort:isG of lho nghts prOVIded in this SOCtion. TOIWICy at Suflenwlu. If Grantor remains In possession of the Propl!l1y alter the Property is sold as prollidad ab_ or Lender o!harwt:a boeomos onlillod to possession of the Properly upon defaull of Grantor, G,.ntor shall become a lenant alsuflor"ance of Lendllr or the pLn:llaslr of the Proparty and shaI, at Lender's option, ""her (a) pay a reasonable rn"tal for lhe "'" 01 the Prope.rty. or (b) vacaf.9 the Property immediately upon the demand 0/ Lender. OIlIer R_s. Lender Shall hav. all Olner nghts and ramedics provided in IhlS Mortoage or the Nola or available at law or in llQully. Sale OIlhe Property. To lhe 9Xlant pamurJld by applicable I2w. Grointor her90y walM any and all>;l/11 to haVll lhe prDP<<ty mar&laJIed. In IlCOfC!Slng Its nghts and remedies, LO'Idar .haS be free 10 soli all or any part 01 the Properly logether or sepAnlaly. in one saJe or by sap.nle ..lei. Lender shaI be onlltled to bid al any public sale on all or any pOltion of lhe Property. IloIIct of SIIe. Lender shall glVB Granlor reasonable notice of the bOlO and p~ of any plblic >&Ie 0/ the Ptr1.onal Property or of the time an.r WhIch any prtvate "" 01 other int.n~ dt$posd1on of the Perst>naJ Property is 10 be made. Unless othar'wIM ~t.~ ~r :.-..~~ ;..... 07-02-1998 MORTGAGE (ContJnued) Page 6 reasonable notice shall me.n notico g,von atleastlen (10) days bolero the tlme 01 the sale 0< dispC>illon. Wolver; Elecllon 01 Remedies. A walvur by any party or a breach of 0 provision ollhio Mcr1gago shaU not constitulo 0 waiver 01 or prejudlc. th. p.rty's rights otherwise 10 demand slrlc1 compliance WIth Ihat provision or .ny other prevision. Election by Lander 10 pursue any remody shaU not exclud. pursuit of .ny other remody, .nd .n olcctlon 10 make expenditures 0< Illko action 10 pooo<m an obligetlon 01 Granto< undor this Mortgage eher rallure 01 Granlor 10 pooo<m shall not af1cc1 Londll<'s nghtto decI.re a default.nd OX8reise ,ts ..omedles undor Ihis Mcr1gago. AUomey.' Feea; Expon..... II Landor inltltulos any suit or action to onforco any of th. lorms 01 this Mortgogo, Londilf shall be .nlllled to rocc_ such sum as the coUl1 m.y adjudga reasonable as allcrnoys' ",.. .1 trial end on any appaoJ. Wholh'" or nel .ny court action is invclvad, an reasonable exp.nses lneunod by Lender lhatln Lendll<'s opinion are nocsssary .1 any tlmo 10< Ihe prolacllon 01 its inlaresl or Ihe enlorcemenl or Its rights shall becoma a part of tho Indebtedness payable on demond .nd shall bear Intores' ~om the dato of expondllute unW repaid atlhe rate PfOVlded 10< in the Nolo. Expenses covered by thIS paragr.ph Includo, Without IImilatlon. hcwo_ subjecl to .ny limits undor .ppllcable law. Lendll<'s allarnoys' leas and Lender's fogal oxpen_ whathor 0< not lhere is . lawsull, Including alIorneys' lees tar b.nkruplcy Praceodlngs (including offarts 10 modify 0< vacala any aulamatic slay or Injunctlon). appBols .nd .ny onllcip.led pa>i-judgment caUection S8rVICOS, the cast aI searching 1llC00ds. obtaining tllle reparts (inclUding laroc!OSUtll reports). surveyors' reparts. .nd appraisal tees. .nd tltle insur.nce. 10 Ihe extonl permllled by applicable law. Granlor .iso wiU pay .ny court costs. In addlllon 10 all alher sums provided by law. NOTICES TO GRANTOR AND OTHER PARTIES. Unless alherwlse previded by applicable law, .ny nollca undor Ihls Mcr1gago shall be In writing, may bo sent by telelacsimUa (unless olherwisa required by I.w). and shell be offacllve whon actually dllllvered. or when dapC>i1ed wilh . nallonally recagnizod avernighl courier, 0<. if 1TIli1led. shell be dGemed o/fecfive when dapC>iled in the United Slales mal '""I class, cerlil!ed 0< registored mail. postage prepaid, directed 10 Ihe .ddresses shown noar lhe boglnnlng 01 Ihis Mortgaga. Arry p&rty may ch.nge IIll .ddress 10< noticos under Ihis Mortgaga by giving formal wrlllen nob 10 the other p.rtIes. spacifying lhet lhII purpose of Ihe nalleo Is to ch.nge the party's addrass. All copies 01 nollces 01 loroclosUtll ~am Iho holder 01 any lion which has prlonfy aver this Mcr1gage shalf be sonf to LDndat. addt8SS, as shawn near lhe baginning 01 /his Mcr1gage. Fo< nolice purpOSllS, GrantCl' .grees 10 keep Lender intarmed .1 all times of Granlor's currenl address. MISC~EOUS PROVISIONS. The following miscallano.oUS provisions are I part oIlhIs Mortgage: Amendments. This Mcr1gaga, lagolher WIth .ny Related Documents. conslllutes lhII enllre understanding .nd agreemenl of the Parties as to Iha mailers sel Icr1!1ln IhIs MOl1g.go. No .Itor.tlon 01 0< .mendmenlto this Mor1g.go shall b6 effective unless given In wrlllng and signed by Iha party 0< plrtlllS SOughllo be charged or bound by the aJleraflon 0< amondmenl. AnnUal Repw1s. If the Property is uzed for purposes other than Grantor's t'9Sidence, Granlor shaJl furnish to Lender, upon request, a certfted statement or net operating income rocoived from the PrOperty during Grantors preVious flscaJ year in such rorm and detail as Lender shaH requJra. "Net oper.tlng Income" shall me.n aU cash receipts ~om the Property less all cash expendlturus mede In connection wIlh Iho aporaflon of tha Property. Applicable Law., Thl. MoI1_ has been dollvered 10 Lender and accepled lrf Lender In lhe Commanwealth 01 Pennsylvonla. Thl. Mar1gago - be gevernec:t by lIIld con$lrued In accantance with Ihe laws 01 Ihe Commonwellllh 01 PenneyfVanla. ClIpUon Headings. Capflon he.Clngs in this Mortgage are fo< conwnlence purp.... only Ind l\flI nol 10 be uwd 10 Interprel 0< dafi"" Ihl prOVisIons oIth;, Mcr1gage. Merger. There Shal be no merger of lhe inloresl 0< oslato creatod by this Mcr1gage with .ny other interesl 0< estate In Ihe Prcporty al .ny time held by 0< tar the benefil of Lender ,n arrf cap.cily, WIthout lhe wriffen conson! of Lender, MulUple Parties. All Obligations aI GranlDi under this Mortg.ge shall be joinl and several. .nd IU references 10 Granlo< shall mean each .nd e\/lllY Granto<. This means thai each of the persons signing below Is responsible fo< 11II obllgaflans In this Mortgage. Severab4IIIy. If. coUl1 01 competent jurisdiction finds .ny provision of thiS Mortgago !o be Invalid 0< unGnfcr1:eable as 10 .rry person 0< cilt:lJmstance. such finolng Shall no! randilf Ih.! Provision invalid or unonlO<t:88bIe os 10 .ny ather pet$(lns 0< cin:umst.nces. If _I.. any such offondlng provision shall be dGemed 10 be modified to be wllhin lho UnvIs 01 onfon:e.billy or validity; hcwavor. lithe offonding prOVISIon cannot be $0 modified. it shaN be stricken and aU other prOVisions of Ihrs Mortgage in aU other respects MlaJJ remain valid and enrorcaab/ft. 5<'0<'-...._ ANlgns. Subject to the Iimlla~ons staled In this Mortgage an rranslar aI Granlor's ln~~ Ihis M<X1;:;c .:.::: be blnd;ng upon .n~ Inu.." to t~,;; ~""I or the parties. their ...rs. pet$(lnal raprusentallves, SUCCllSSOOl and assigns. It OWllOtShip allhe Property becomes _led In a POISOn other than Granlo<. Lendor. wllhout nob to liIanlor. may deal with Granier's successors with ....nce to Ihi3 Mortgage Ind lhII Indebtednass by way cI lart>earance or llY.lonslon without roIeasIng Grantor from the obligaUans cI this Mcr1gage 0< liability under ;he Indebtedn<u. TIme I. of tile Essence. TIm. is 01 the .....nce In the per1Dimanca althis Mortgage. Waivers lIl'ld Conoenls. Lender shall nol be doomed 10 have waived any rights under thIS Mortg.ge (0< under the Related DOClJrnonts) unless ouch w,"- is in wnt'ng .nd signed by Lender. /10 delay or crms;on on tile part of Lender In _ng any right shaJ/ oplnta u a w.iver aI such ngh! 0< any alher right A W2J\lOf by any party all prO\l!5ian allhis Mcr1gago shaI not constituta a waivar aI or prejudice the party'a righl olhe<wlse 10 demand stnct compliance W1Ih thai PfOVlSlon 0< arry other provision. No prior waivar by Lender. nor any couru aI deaUng between Lender and Glantor, shall consbtuto a Warver of arry aI Lonllor's nghts 0< .rry aI Grantor's Obligations as 10 any future lransacticns. W,,"- consenl by Lender IS roq\Jlt'8d in !In Mortgage, the granting of such consent by Lender in .ny instance ohall nof consttuta continuing consenllo SUbsequenl iMt&nce$ where Such censent IS r&qUlf'8d< EACH GRANTOR ACKNOWLEDGES HAVING READ AU. me PROVISIONS OF 1liIS NORTGAGE, AHO EACH GRANTOR .aGREES TO ITS TERMS. THIS MORTGAGE HAS BEEN SIGNED AND SEAU.'1l BY lliE UNDERStGNED. GRANTOR: x~t' d..A ~ IUI 0, Tllru.n. .Ir. ",. II. I~(.~ri. L x f'f~ Ekw1ar A. Thrush __(SEAL) (SfAl.) , ... '.... ... . ..... ,.' -....-.-. ...-." ......-...--...-.-.... P.Jt'I'AT_w.,r.ntv C\Qed, IMIt '0Im. Act of 11Ot-AtT'1".td fOl ",oto.RHOfd'"' H.nl')' H.Il, 1"1:., 1""111\1, ", QJ;b i~ 1Beeb, MADE THE H' 0' our Lord on. 1/w1J.and nine hundrdd d4v 0' ~(,... seventy-eight (1978) ill the v.ar RETWEEN PAUL D. THRUSH and MARY C. THRUSH, his wife, ot Dickinson Township, Cumberland County, Pennsylvania, hereinafter called Granlorfl , and PAUL D. THllUSH, JR. and ELEANOR A. THRUSH, his wife, of R. D. #5, Box 459, Carlisle, Cumberland County, Pennsylvania, hereinafter called Grallt.. B : WITNESSETH. that in c""'id.....tion 0' One and no/loO----------------------- _____------------------------~--($1.00)---------------------- ~Uan, ill hand paid. th8 receipt wh8r.o' is h.r.bl! acknowledged, the .aid granlorS do h8rebv grant and ""nVOl! to lh. .aid granl.. s. their heirs and assigns, as tenants by the entireties . ALL that certain lot of land with the improvements thereon situate in Dickinson Township, Cumberland County, Pennsylvania, bounded and described as follows: BEGINNING at a spike in the centerline of Pennsylvania Route No. 174, on the line of land now or formerly of GleM Gilbert; thence along the latter, North 10 degrees 00 minutes 49 seconds West, a distance ot 189.93 feet to an iron pin on the line of land retained by the Grantors herein; thence along the latter. North 79 degrees 09 minutes 40 seconds East, a distance of 269.29 feet to'an 1ron pin; thence along the same, South 08 degreee 01 minute 42 eeoonds East, a distance of 187.00 feet to a spike in the centerline ot said Pennsylvania Route No. 174; thence along the latter, South 78 degrees 30 minutes 00 ssconde East, a distance of 262.88 feet to a spike, the ~lace of BEGINNING. CONTAINING .969 acres and being described according to a final subdivision plan tor Paul Thrush, Sr., by Wilbur H. Clifton, R.S.. dated June 29, 1978, and recorded in the Office of the Recorder of Deeds for Cumberland County, Pennsylvania. in Plan Book 33 , Page 76 Lot No.1 thereon. , and being designated ae BEING part of the same property which Geerge W. Weitzel, widower, gr,anted and conveyed to Paul !.1. 'rh;'ush and Ma:oy C. Thrush, hie wite, Grantors herein, by deed dated~ugust 17, 1948 and recorded in the "'~28 M 413 I - I EXHIBIT C ! . ! : 1 I , I I... .' ~ ",~,,' ..... . IlcI ~ 11 " - ~............ l>........~ ,-..... l-~~'"", ~. .1>-,_ ......11 b..- - "_W'O 4.~"_",,'~"'.' .._w.._.._...... _.__..~"..------_..-._..._...._.._........ .-....._. Office aforesaid in Deed Book "11'". Volume 13. Page 433. Thie conveyance 10 a non-taxable transfer from parente to son and daughter-in-law. A.ND 1M ICid /lrantorS "'re~ COII"""..I and ll/Ireo Ihal they will ICIGl"I"4m generally Me property hereby oonvOlfod. r ... IN WITNESS WHEREOF, ,aid /lranlorll h4ve hereunto ISI their haM sand ,elll s tile d4l1l1M 1I611r "rllabove writl.... .. ..- .-' jI!pI). jI..1I) n) !l.IlI.... lw~.i~ ./J~D~.-.----..e _.._.._---_._-_.._._._...__..~ -:&MW#:iHR~.'-..~ l..-.-.-.-----.---.--..e -.----.,..------.--.--- SI4te of PENNSYLVANIA } c.....ty of CUMBERLAND. e,. On tAil, Ihe Z. 'i' . d411 of~", . 11/ 78 , be'." "". 1M underriurttd .!fie.., perl.nl1ll1l111'P6Clred Paul D. Thrush and Mary C. Thrush. hit wife, knoWll to ",e (Of' l4lilfllClorilll prolIell) l<I b, t"" pe..... e who 114"" s are IUbecrit,ed to the wU~Il''IM~~\,lInd lUlknowled{lld th41 they u....ted ,,,m.'Of' 1M """POUl thereill ..-;.;."D."U./f" ,;....'~.,.. ~!?t"rf;. "r,/!\!.'0.'\,'tl . '. ~;llbl~'Wmtibd\W1IEREOF. I AIr to..I. hoM "nd ODicitU~' .".;:' . i.tlt /\ I ..~ . cu' 'v I ,.. ./. !::" r ......... ....... ...................._._..._........_._.._-~ ,.\) \}.r -.:."I!':~i'':'~~'".''' JlOC(~' . Ir;V'1 ..~ rll" PUBLIC .,1.', '" () (.. . ..I. .' C.UllJil[ eoftOu.~!~, < _" .l~~.~~.'1p..c.Q~.~.'!.........~__......_...__....._._._.._. '.... ,., . ~, tll".'UIO' W,RIj 0".1.1$10 Title of O~tr. . .. ... . I. do ~tr.~~ urlif~ Iho.t lA, I'N"" Nt!MfIt' and """,pitt. potl ofJWt 444r"' oflA4l'lC'Wlmw.o.meD-g1"'U-N.U i\oi 1t.2> =~. ~ './!~ r~.:_J.;.-!. ;<;.. /)c,) ~. ~. U' l' 78 -~~'.~._- A.t1:::;-;:'-O'-- Orantee~ ~28 rIM 414 ~1 :.. .' .' . I \ , , , ! " ~ , ;. " ~ '- ,),:,1,,' ,:II/rIO,\.! T(i:i~'r:;E('i I")::::.: '-, TC"~*~~/-61~r-Y~~kRdq .---.---- _CjrLE"-e__f(: 1701'f_~=-_-'- - ---________. November 3, 199.8.. 313435-30023 ~. . ;, ~ ~ :'.' lhr rv:OtnGI\GE held bv Financi a 1 Trllst Co. {hereilluflr;f we, uS or oun;j en \lQur prup~rt." IOC3t~d at _9J2__West.Old..York_Rd_ Car-li sle.M.. .H0-13 lS IN SERIOUS Dr:FAULr LJtJt;,JlI~;tJ VOl,' /u~e no; mat/I: if II! nio;iilJl~' pd~,n'/un('i ,.1: S ,2,005..59. lor tile /1/ont/ls of ~pt.ember__h _m_ u_______llc.tobel:___.___., and u_NOIlewmber .1998. 3r(f,.-rY!1t::CHw:.:) ..._._..__~u~____.."_'_" ,..- '. -" --""-'-'--' - .. _~ "~,_.._,,__.. __._,_ ._n________.__....'_._._._'_ ..~----- .-.--.-.---..-.- -.. .. --.-..----..---.-" Lat~ chil'ge$ ane Gther chiJrges havs ais:) accrued to this cate i,l th~ ;JollOIJrt ~f _$2.00.5.6 ... q___q_ Thil total ,,]1Y10lJnt nn~"'" required to cure {!,i5 rh:fatl!t. nr in (,trrr word~, ~let l~auqh~ Llp ;n 'ir:li" I':,';;.'."....::;, .:S 1":1 .:.~, .\:1;,:, f)t this :,,',c''- :';::; ..6,217.33.. 'rOOf! OM}: cure th;s default w;t!1;n THIRTY (30.1 DA YS of the dilt/? of this hnr,~r h!. "-",'~i'.n:i ~,~ 'IS .'.:;,~ ?bClIr' .'J1'?"unt of' S .~,-2.1.{~.~~.. _._ ,_, _.__ _, olus anv adrfitiof1al monthlv pavrnents ana /.9(a r,'h:U~l{' vL."iirr.'/' ,/:t:..' /,-;;'} d~ (: .:/I./:/Ii.') this pur/oct. Such payment must be made either by cash, cashier's check, certified check or n"';)r.e'i O"(~ef, ~,'"\d made at __.unanctaLlrusLCoL------------ ._ _____._____. ____________.H.._ --------.- -. .. --------. If VOlJ do not cure the default within THIRTY {3m D,\YS, vl/e intEl1rl to 9,":21':';:.-;~ \~~I" r/gll,:' :u ,.; :,re:IHate the mortgage payments. This means that whatever is owing on the original amount borrowed wl~1 be {cnsidered due immediately and you may lose thf: chance to pay oft the orig(nal rnortgage in :Y:l_Jntr,!v inst;,~llr'!:l..''', ~T full p:';\lIncnt of the ;lmount of default is not made within THIRTY (301 D.A.YS, Vlie a/so intpruf 1r.1 J..:s!ruc: (l,',r ;,:[,'C<t.,'l.::. S tv stat'ta lalvsuit to forecloso VallI' mortgaged property. If the morrgage is lore closed your r)1.;rtg,o!1e'; pr"p,'r:l' ,'/;/1 be sold bV tlU! Sheriff to payoff the mortgage debt. If we ref8r your case to our attorneys, l.ll. t Vn:1 ::U',I n..; ~1:'f~.~~\t ')efnr(~ they begin !s'9al proceedings against you, you will still hHve to pav the reasonable J:tOir.'~V"J {,"j..~S ;,"-:li;~';.' inl:t~t":eti. up to 550.00. However, if legal proceedings are started against you, you will have to pay ti',ll"a,nllal',I.' attlJ'r.f:Y'S tees even if tb~v are <"ver 550.00. Any attorney's fee:; will be .:icded to wh~tcvef you r;'v".'(~ ',Jr, ,f,/r i<:h ""2\ ;;:~O tn~"I~Jl--:e our !ea5Cll:lbl~ C0S~~. It \IOU cure th.1 def:!l:it 'I-/itf7in tiU! tlJ.'rtv d:;:: Dt'nod, V:'IJ ...;iI"/1 ;):-.t :~'.' ..~~.... ,. ,_:,;~, _: ,'{;I;'",,;,<-; 1',.,.1!,IS. We m3Y a1~o SUI} YClU personally for the unpaid principal baj2f\CZ and all o~hef 5L,n",:; :'1\',~ l~~\.~,::" J',,~ r:,;.')rt;':J:~':.' if )-'Oll IFi\'P. ne1 ',::uI"Ad th;~ ~-:pral!li \I\'ltl1in the thirty day p!~r:Grl 31':d fore(;I\"J',;- ; T' ;'~'-" ',~''''~- r,;qu;'l. ;/..':1' 0::,",' IJulle rhe rlgl](;o Cute the def3u!t anr} prevenr the sale at dny tlrne uc to one' !'Oi..:r' {;1....:iF'.' !f!:.: S/,,~.,'If...';,: fc.r:;'c,:ccure saie. ~'l'"\(j ,'nd~' (to 5;...1 I.~V f,iilV;'l.g thr UJla' ,1:'neunt cf the L.'Tif.\lid nlQt::h!~' u-:?j/f::i?II(S I:' ,'\1$ " " ,~ '( '... '..1 ..' ;: :I~(.'I, di...'r! :;S 1:.::/I~.5 th(l ~iJ!]W'~:ibfc attorp!:':,"'s f..:..;?S ;Jail costs COJlluJ~t.1d wi:!: tli:: rar::,--:'ll..l:!"~:,~ I'"~ " .'. ,,' ;;;;"1(" ,'c.'r.;uire" !J;fmts ljtit/~r ihe 2'1l0r;qage, It is e::timated that the larliest date the! such ~ Sh.'.ift', s';:,e ':l~.~;k~ Ce tl.:ld \'~\'~u:d be Jl"'~:"C~ ;I~'ateh.' t, ,0 aays,_ .._.A :-oikp of flu.l r!:l1e of the She:":~f '~.:.l\l: '.Ivill i~t:i.:, ~ ~.. ,',,, ','.: '\', ~ 'l:'.~ ':'1:.' Of r.mlrse, liil."; art'Ju:.t ne,.=;ded to C;~lre th~ cctauit '"vi:: if1C:"~;I~.e the :(dl~)cr VOll \tlgi~ Y('~' i"1 ,.~ ,'L' ,. ~"",lC:li \'~'~"3~ It'c required payment will he by calling us at th,e lol:owil~~ nl.'mber: -24~=:]759 ..... ',':,; ':,'":'~ ~,.t .',11," be;" C;JY1, cJs\;in'~ chect.... certIfied check or money areer and l'I--:;:irJe I)J\'~bj(, 10 I!~ ',1 ~hf; d(~dl.':'s '5~,~:': ,~;":\ 'YOU s~oulJ re3!ize that a Sheriff's sale wi~l end V~ur own~:~s~,jp of ~hc r.l\)I~9::(~r'~'1 ;)1"::,;..;" i~'~ i~'. If '/')u co;--,tinue to live in the pfCioertv 3'ter the Sherlff'5 sl'il'?, ;:. 1aW~,t':~ -':t:1.-' !,,' ~t.(~.,': . ~ "c '/i),: t ,'._ ~':' ',r") :'-2f11 ~l:: ,'. ',r ~ {Jll i-;3\',: .::c(j;:.i:)'jiJ,1 ,.:'gl't5 ~.o I~~:;~; r;r::)t;~('. ,,'nL;; ':',:".'lll~'. ,. :.,:' l.Ir.~ P?;:_:,PE;:Y 70 03T:':N rv10r.)EY 70 PA' CFr: TH::: ;'11CS--;-3~~i': ~..l:'_~' , ;',:":CTP=~ L.E"..:J!NG ,....JSTlTI,j"":'"i(li\J -~C ;Y C::F T'-;:S ~(::~-', J: "7"t:;~;\sr::f:;" '~','~E PRC?~R"":'{ S~, 3.iF(T ~() :~~,.:: ~,'~i..l;:;~~~,""':'~ .:. ';SSU~~~E T~= l\~CRTG/\(.J: DEBT, PRO'-j1J::.C T--l/~'r ...~,~~ T-:E ~J,,!TS7r\' l)I':I~ r.,TTOP'\j::Y'~::: ;:E~S AI\JJ COST') p-,ri~ ~='~.\:r; PS!C)P:O c.p r\ t '--'- ~,\\:: ',' ::. ~', r i -: , , ,.:::': ~ ;-:f"'l""" '..... . ,:-'H r..- ,... . ~.~~: \. i',~ ~. ,- , ." '~,': ,\-:C':~ -:- C) ,~,(~~.: ..::.:~;: ~ ~.~' - .; . . :' "', I :. ~\1' ";'~f.::: ;'\!D ',:;, '~.-::~~_:jC:~ - 'i' ::. .,' ,.' ;:'-I".:f.-;-- "_ . , i ~', .' \, -'1 ',,": - .1 , . ,I.".. ;::-,C c I EXHIBIT D / ~ /~l':"L"-...\;~ })~''''''''''<-'l'(~ '~G r/I.: '.~' I~ i: v /:'J"-.~/I///C',"'" .'"i..J ,cUPECLCSE ,~U),c:'._"~.' ';_ -rc' Paul 0 Thrush, Jr '972" WesrOld 'York Rd Carll sre fi A . f70r3 ....Li.~! .',' I': I :1'1: November 3, 1998 I.<!,J;I tl.',.. 313435-30023 ,I," .\lfi'iL:,\(~I.: heirJ l:.v Financial Trl!st C.,?, (1j';;'.!;i'\1:I.r_! \\d' CS ('r Ol~rs) on "01;1 prDpE:lt'y' 1O';ated 2t !f72-WestOi d'York Road Carl i sl e PA 17013"-- .--,--,..--. -...... ., . IS i ;'\j Sl: fU CliS DE t:I\U L T I.::!.':;:ust' p:ii hin,.? Ilor r1i.U/f) thq monchlv jJf1Vll1L1,.7tS uf 5 ~_I.O.Q~.. ~_~_._ _ lor rh~ !II,',mhs o,Sel2temb~r ...______._h___ ,_ ___on OctobEIT..__._ , )ncl__~OV!![11~~L 199_8_____. .' ~.'nll','f' ,. i'},,,:_~.' ,,'~I l_,:~:.: :';,~.~~les dnl) t?:~.:~r ch;:rq....s.1'll\:'2 ~lls()~;~;.~~I~~I..~~. ttl-i~"'d~te ;;;the- a-~;1l;.t-~f"__J?QO...56 1.~"t,:; 'l r"':'~'.''J (i~..jl!;,.,)d 1'.1 '";1:1'" lj~:s i!,<,'jldt. er 1i~ GO,er words, ~1er c::;ught Ln ill \:()t!: ;~~:".',~'",I':- " "3 6,217.33 ,n . _' fh total .", .,( f~;I~ '::dt~. c..{ d~il) "'()(i /ilDI/ C:')rf~ this deftudt wltl~in Tf-IUiTY (3D; DA YS of the date of this letter bl. ,}3'vf.,,:a In :.:S r/-:t: .,fHI~'~~ ,Jn70Ullt C'l S 6,21 Z. 33 ' _._, plu,:: anv add/tlOH?/ monthlv pavn1ent:; and la/a c!l,jr.lJi.; ';....lll(;h' m.']'1 ",:,,'1 ,'Ii.'"'~ '.;~I.rif1!i this per/ot/. Such naymcn! must b!: made :~jther by ['ash. cashier's check, eertified d"\[?ck or n1efll--;'\. ordf'r, and rnadc at _fin.a.n~ia1.TJ'u_s_t Co.. ._____ _._____m. _ _..u__. h__ .____.___. u__ .._ .......__ _. ___ un __, ! f yOl! (~G net' Clirf~ the deL~ldt ~'.'itl1in TH I RTY (301 DAYS, WfJ ;:;ti!nd (,-; f.!X8r<';:'Sr! I):;" I...,nt :'r) .i~Cl.l':p.(at[) the :nortyaqe paYlnellts. This means that what~ver is o,"ving on the original amount bOl'fOWf"(j win be ~onsidercd due ir.1n'i.'dLlt~:IV and yell m~v lo~e the chance to payoff the original mortgage in monthl-,,' ;ns~cl!irfW'l~:: if full p;iyment of tl".: rlr;-~\)Unt ci (l.;1dU!-:, i~ '10t nl30t! wit:-dn TH1RTV (30) DAYS, we alSl' iJ1fend (~I i'lS..{t': l'~.:' .:dU'.'1t?~'_) \,1 start a .'3;vsuit [() forAciO;..1 /OU,r' mo~-tg.~g2a prcperty. /f the trlOrtg(lge /s foreclosed j/our morrqa[led nru/JrJ,'tv vvi// be sold by I!~!J Sh,~...iff :-:..' p~t> off tht? ll;ort9<Jgr. debt. : f /Vt; refer your case to our oHOrl:t~V'). bl:; If0U r:1:i\~ '111:; de"(ilu!t bt?!fo~t:' they iJ~:r)i '. f:I_:;;1l I t~)Cr.'.;:'(!.~:qs a~ja;l.,st yeL!, vou 'Jvil! $~iJl hi.i\.":~ to f)uy the r~asljn:lbl6- attcn1t~~ '~; "-":':=,s. :~;.t,li:!I\' in-:-11rred, liP to SSG.CD. ~iJ\'\'e"'l~r, I:: legal prcct?cdings .lre started againsl you. you will have to pall the ;;;-;~son..il)h; iHtfJrncv's fees even ;i '""C. ~-l;.(~ (:)1.'::1 5:::,0.00. .I~r\.' ?lt10rrrv"s fee~ 1}J;!! be added to wh;.j1:cVflr 'led ~wr~ us ,\,;~ 'l'~l ilP..' ~jISCJ :l1dude OUf ',-",:,1.rl.,,-- :.n.;:._; .If \1:/ C'l('" Ire ,_,I,,{p,u.1t lVit1J1j/ (liF thirtv daV per/orl. }-"I)(: l.v""; n(J/ :,~r". :1....,.':; :,' ".:..V'.,.~t...:"t':"s f,~e) l\Je ::1cV aisn C ,C- VOJ q':-::-50nijQV :cr :h( unoaid prindoal balanc~ and all other SlJ'i~:; I:W-l' ;",rk: ~L>:, t~lOrr'J;lge. ,';; ;~it'.f~';;'~ !:l;rf-,rl th~ dl~~tiUl' wi.h;n tl1~ thin-y day pefiGd arId forec;osufP 1.I;-"I:';'I.din:> "~;:;'1\~ j-2l;u:i, !/nll ~tr!l n:,:~ ~ .,!--' r"~J;~': :'} ,:" !r(J (ht~ dt!ic.1 'il (,lid prf!l,.ent r.'w sale at anv lilne up to ont:l hour ~'ei(.."l,..::., if;') S/:/!,iff S /orechsure sale. '.,' '-:iJ, ,-iv .;,-1 ,)~.. ..'Cd.'!:'l'} ~;';I-! t;.Hd .1'/:O(J/71 of the un,r'J&id n1ol.th/y payments pius ;,:'1 V /,::":.- ,:; .:t.::i:J (.",'l;;"gt),~ th,J(! doc. J.'; Y':I.!,/ ,1:, ~,\;J ;.I:.:JsonJhlt.. 3/~lJr;1e;"'.i .fees and costs connected with the foreclosure s.-J,'e: a:,'d ,J:'t, 't.'-:.' ,j,.1V l."Itl.'er reqt.'irt!~ n~(},;r" LIInie'. the mortgage. it is ,;stimated that the earliest date that such a SheriffJ S2t:; ':()u!d b\~ i1eld would be i:"'j:-,r'.:;,;:~",':~f:'J120 dqY~ ~ ...~c:icr; cf th€ datE of the Shcr;ff sale \Iv::: ':-"~ .~G;it ~J '~'C'~ '..Y;.~;.~ i;~,~ 33~t:' Cf \:V\ifS€, ~~',,; .~, .:..I..;....t :"'.:Fced tD c~l:-e 1.he dehu!t will ii'Cr.:3~8 the longer you \.....ili'C. You n1aV ~1;lCj ~'Jt l~~ :Jl~f' t;"1': e'~,j(:t"l! what i'-,e r=~ui;ecJ pJ'I:1Cni wil' be by calling us at the foilowing number: _~J.=-Zlli_. ni, pay"',e:1t '11L,st be in cash, ca,i-,;\.?r'!, I:~eci<. cr-rtlfied C1t?Cl.. or mOI1f!V orcl:r 3nG made pay:b!e to us at the clddrcss 3!:~t:::,d (l:~['I.'L' Y(IL~ ~1\Oi.J:d r':3!iZt: t!13t J Sheriff's sale wi:l end YOL'r ownership of the mortgaged propN1'l ;r~:! lO:'l[ rj~~tit to rema:n ;1'1 it. !f ',c'.1 clJ;',li~I:~ to !;ve in the !)ropsrty after ~he Sheriff's sale.;] lawsuit coti~c1 hf; sr(irte~ ~(; 1;\,ir;~ ',")i.L , .'; I >~,\,-=, _:.\.;Cit.iC ::~.i ! l'~~h~ ,; ~\) h: :1'1 ;':-'.)ti:'~ ~ ":,Ol'l' :ntcrezt In !il~ prOG[:1 rv. 'V C))..: ~;t"" II E .~ ,~t. ~~ i ,~i; '~. TO SE:.. L r HE ?fr,:...~PE?T"r' 70 ,JB~;',I;'.J \10~';EY T'J PA' OFF- THE MOR7GA.GE DEBT, C~ 70 2C';~::(WV I\..'GNEV FROM :'\~~:;"-~E~ _':~JI~.:~;\JG 1'\!,~~:Tl.:~':()~J TO .~y Or:r: Tl.-1IS DEBT Y(:U r.,'.::"l' I~,\\'" -<~.: ~ .-,H7 ~tJ StLl DR :P.~.\:5:~E'~ T;;:: :"PCPI::~~\' SL'~.,JE(,I ;0 TH:': ~\'CRTG'\Gt. Tl)~. 8U':C::'". ~:'~ ~".',i',;:~;:F.~;"'C ~~.n;"';\J\.I!i..i.. '\S~l;V~ .~;-.:: )"ORTG:I.GE JE3T, PROV!D!:D THAT ALL THE Ol!'ST.\i~DII"':; ~i"',.'"E~lS L~~.HGES AND :~ i-.,::~~'~C't 'S ::-;.: ~s /\~~J C0:37S ,\:1:;: PA 10 ;)R lOR TO OR /... T TH~ S,......l':. A .,.C' T;-:~-:- \"-1:-:- Ji HEr=..: PE ,JUl f~E. ~__ ~ -. ,~, 'J:: :";--:::':::::~'. C::::O';Tr\':.... J::- A;'...' C' ";:' ..::: ~'~ ,.:..:--:.\..,.. ~; ,;'c, ;r...'; '\ ...; . ~;~, ~l,.~.\:;':: -:.~:: ~,:(i;-:i'~' :~.~:',',.'- -".' .~:_,-...,_.:...' ,.::';'~':::' 3-' .t..},:v .:... : ::.' J r~;~\"":: :--";F :;,.~- '":1 A. _ . _ . ;.. ~.' ' " .:. '"".~ ~ ,.: '. : ~- t. ,.:\ I EXHIBIT t ,- .'". ~L~) I RE: Account No.: ACT 91 NOTICE IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM. PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS _~lID~.02;L . ... ....._ Date: lJovember.....3,.J.998..__._.... TO: El e.anor ,A. Thrush .. FROM:... Fl nanci.a l.JJ:ust Co. You may be eligible lor financial assistance that will prevent foreclosure on your mortgage If you comply wllh the provisions 01 tile Homeowners' Emergency Mortgage Assistance Act 011983 (the "Act"). You may be eligible for emergency temporary asslstanca If your default has baen causlld by clrcumstsnces beyond your control, you hava e reesonsblo prospect of resuming your mortgage payments, and If you meet other eligibility requirement. elltabllshed by the Pennsylvania Housing Finance Agency. Please read ell of this Notice. It contains an explanation of your rights. Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days Irom the date of this Notice. During that time you must arrange and attend a 'face.to.face" meeting wllh a representative 01 this lender, or with a designated consumer credit counseling agency. The purpose of this meeting Is to attempt to work out a repayment plan, or to otherwise settle your delinquency. This meeting must occur in the next thirty (30) days. If you attend a lace. to-face meeting with this lender, or wllh a consumer credit counseling agency identified In this notice, no lurtl1er proceeding in mortgage foreclosure may take place lor thirty (30) days after the date of this meeting, The name, address and tolephone number 01 our representetive is: Jack V Hutchison ~:I4IC(iII6~r~.BiY:____....___. ..... .~=.=:=~- Carlisle PA 17013 Tel;phon;'N~'l!-;ber: _.lIz=l.4.1 ~1l5~---"-- ------ ._.___n____ The name(s). address(es), and phone numbers of (a) designated consumer credit counseling agency(les) Is (are): YWCA '--'301G"Streei" Car f(s.ie-~1\:.}ll)lf~~:=.=== II is only necessary to schedule one face-to-face meeting. You should advise this lender immediately of your Intentions. Your mortgage IS In default because you have failed to pay promptiy installments 01 principal and interest, aa required, for a period of at least sixty (60) days. The total amount of the delinquency Is $ !..ill ,33 . That sum Includes the lollowlng: -----}b.f~te~~g.~.~ 1 ~ 6~y$~g6\~f..HLQ.Q?-'-59..ior ttlCi._mon.1.l1.s. of Seot. O.c.t and NOL19.9R pl us ..... ...__.___..... ........ .9._______._...._...__..___________. Your mortgage is also in default lor the lollowing reasons: If you have tried and ara unable to resolve this problem et or after your fece-to.face meeting, you have the right to apply for linancial essistance from the Homeowners' Emergency Mortgage Assistance Fund, In order to do this, you must fill out, sign and file a completed Homeowner~' Emergency Assistance Application with one of the designated consumer credit counseling agencies listed abovo. An application for esslstance may only be obtained from a consumer credit counseling agency. The consumer credit counseling agency will assist you In filling out your application and will submit your completed application to the Pennsyivania Housing Financo Agency. Your application must be tiled or postmarked, within thirty (30) days of your face.to-face meeting, 1/ is oX/fIlmely important/hat you fIIo your application promptly. If you do not do so, or if yOU do no~ follow tho other timo periods so/Iorrtl in thIS leller, loroc/osulo msy proceod against your home immedistely Available lunds for emergency mOltgaga assIstance are very limited. They will be disbursed by the Agency under Ihe eligIbility clitoria established by 1I1e Act. It is extlOmely impollanlthal your application bo acculate and complete in every respect. The Pennsylvenla HOUSing Finance Agency has sIXty (60) days 10 make a deciSion aUer il receivos your epplication. During that addltioneltimo, no foreclosure proceedings Will be pursued ageinst you If you have mot tM time r<;quilemenls set forth above. You Will be notified directly by that AgGncy of Its decis.lon on YO'..J( application. The Penl1sylvalll3 HouSing Flnar,ce Agency IS localed et2101 North Front ::;~!eet. Post Otflce Box 15530. Harrisburg, Pennsylvania 17105. TolephOno No (717) 780-3800 or 1.800.342.2397 (tollllee "umber). Persons WIth Impaired hearing can call (717) 780.1869. In addllion \'OU may receive another nollce from this lender under Acl6 ot 1974. 7hat notice is called the "Notice of Intention to FOleclosure" You must read I)oth nOllces, since they bOlh e.plaln rights thaI you now have under Pennsylvania law. However, " J'cu ch:::~~e!~ e~~'c!~~ ~'~~! !~~I~~~ d~~~!~""ftIt1.n ,,..,,<<; nr.hr... ~ru.lL:l.r;nvf b,:. 'Ofo€l~lt::l~~d I)PO" whilR yt:'\Lj AtA u'lr:PlvinQ IhAt Ilssi~lancR. EXHIBIT I F= ":::}rJ;~J- 'irS' 2Pllti05l~2M?in Workout Offer / T~e Penns,.:.'ard3 Hcus,ng F;r:ance ;';er.cy car, t.e reach;d T& Hi,U'" r~f''' 4 \;'\-'~ .... ,......, ,~ RE: Account No.: ACT 91 NOTICE IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM. PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FU~URE MORTGAGE PAYMENTS __~J}4}Q~3002~ Date: Jiovember 3. t9~_6_ . Paul D Thrush ,"Jr TO. :-;:r1nancTaTTtUstCo;---.. FROM. __ ._.___._.____.__ ___ You may be eligible for financial assistance that will prsvent foreclosure on your mortgage If YOII comply with the provisions of the flomeowners' Emergency Mortgsge Asslstence Act of 1983 (the "Act"). You may be eligible for emergency temporary assistance" your default has been ceused b'l circumstances beyond your control, you havll a reesonable prospect of resuming your mortgage peyments, end I you meet other eligibility requirements established by the Pennsylvania Housing Finance Agency, Please read ell of this Notice, It contelnl an explanetlon of your rights. Under the Act, you are entilled to a temporary stay of foreclosure on your mortgage for thirty (30) days from ths date of this Notice. During that time you must arrange and attend a 'face-to.face' meeting with a representative of this lender, or with a designated consumer credit counseling agency. The purpose of this meellng Is to attempt to work out a repayment plen, or to otherwise settle your delinquency. This meeting must occur in the next thirty (30) days, If you attend a face-to-!ace meeting with this lender, or with a consumer credit counseling agency Idenllfled In this notice, no further proceeding in mortgage foreclosure may take place for thirty (30) days aller the date of this meeting. The l)ame,.~ddrElss. and telephone number of our representative is: JaCK v HutCn1 son . --. 141 5-Ri tner"Hi,/j---- ---------------.------------.---------------- ,- -" - C-atl fSTe'pJ'i" 1 70rr-- -.. ... --.---7T7='2'41=715'9--------..------.------ .------.-------- Telephone Number: __ _____ _________._ __ _______.. _____ The name(s), address(es), and phone numbers of (a) designated consumer credit counseling egency(les) Is (are): .__ yWCA_____.____ _.___....._________ _ ____.._____..___________ _._____________________________ _301. _ G...S.1r.!lel_.__ _______ _______.______._______ _C!1r.li .sJg _eA_.J?O.1.3_____ _ ___ ___ _________.________ It IS only nacassary 10 schedule one face-to-face meeting. You should advise this lender immediately of your Intentions. Your mortgage IS on defaull because you have failed to pay promptly installments of principal and Interest, es required. for a period of at least sixty (60) days. The tctal amount of the delinquency Is $ -6.,:;>17 :11__ . That sum Includes the following: ;-hoS~t~~~B:~~:~~-jV$?~]:-s6f- $2 ,=_0_5. ~_f9!.:__ th~_ m.~~~~ oJ ?~~!1.=0-ct__~~~~~mb~~__19.98 plus Your mortgage is also in default for the following reasons: _____._______ If you have tried and are unable to resolve this problem at or eller your face.to-face meeting, you have the right 10 appty for financial assistance from the Homeowners' Emergency Mortgage Assistance Fund. In order to do this, you must fill out, sign and tile a completed Homeowners' Emergency ASsistance Application with one of the designated consumer credit counseling agencies listed ebove. An application for assistance may only be obtained from a consumer credit counseling agency. The consumer credit counseling agency will assist you in filling out your appiication and will submit your completed applicetlon to the Pennsylvania Housing Fonsnco Agency. Your application must be filed Of postmerked, wllhin thirty (30) days of your face.to.face meeting. 1/ is e.llemely important that you file your application promptly. II you do not do so. LV" you do not follow the other lime peT/ods tiel for/ll in Ihis lal/er, foreclosure may proceed against your home immediately. Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility etHatla established by the Act. It is ext(~m(-ly important that your application be aCcUlate and complete in,every rospect. -rho Pennsylvania HOUSing Financo Agency has sixly (60) days 10 make a deciSion after It receives your application. DUling tMt additional time. no forecl::lsure proceeding5 Will be pursued ..gainst you If you I,ave met the time reqUirements set forth above. You Will be notified dilectly by that Agency 01 ,10 deciolon on your application. The Pennsyl"anid Hou50lng Finance Agency is loc;led at 2101 North Front Street, Post Ottlce Box 15530, HarriSburg, Pennsylval1lB 171 05. lolephone No. (717) 760-3800 or '-800.342-239i (1011 free number). Persons With Impaired hearing can call (717) 780-1869. In addition yeu may receive another !'>Otlce from this lender under Acl6 of 1974. ThaI notice IS called the 'Notice of Intention to ForeClosure" You must reBO Doth notices, smce Iney DOth explain "9t\lS that you now have uncer Pennsylvania law. However, II you choosu to exCtCI~.t" your fights des.cljbed In thIS notice, you cannot be foreclo~(>d upon while ~'ou are receiving thot assistance!'. ~~:~\~Off' 11'.0 Pennsylvania Hcus,nil In.nee ~Qer,ey c ~ '0 ruc~,ed TCLLtREE at' (evOI 342.23fJi ..- ....~ ,.- I EXHIBIT &- 1<4ltJ.... P...... "'..~ 5. Paul D. Thrush, Jr., and Eleanor A. Thrush, are the sole record owners in fee simple of said premises subject to said mortgage, by virtue of a Deed dated September 25, 1978, and recorded in the Cumberland County Recorder's Office in Deed Book "B", Volume 28, Page 413, more specifically set forth in Exhibit "C", attached hereto and made a part hereof by reference. 6. Said note and said real estate mortgage are in default because Defendants herein have failed to pay the payments that were due and owing for the months of September 1998, October 1998, November 1998 and December 1998. 7. The Plaintiff has given to the Defendants written notice of intention to foreclose on said mortgage as required by law under Act 6, dated November 3, 1998, a copy of which is marked Exhibits "D" and "E", and attached hereto and made a part hereof by reference. 8. The Plaintiff has given written notice of default as required by the Homeowner's Emergency Assistance Act of 1983, dated November 3, 1998, a copy of which is marked Exhibits "F" and "G", and attached hereto and made a part hereof by reference. 9. By reason of the aforesaid default, the entire principal balance of One Hundred Ninety three Thousand Two Hundred Fifty-nine and 93/100 ($193,259.93) Dollars, with interest thereon at. the rate of 10.75 % per annum computed from August 7, ]998, along with attorneys fees now due and payable. 10. The Defendants are liable to the Plaintiff for the following on said mortgage loan: A. Principal amount due to date $177,041.64 n. Interest due to date 6,714.60 C. Late Charges 300.84 D. Attorney's Colleetion fee 9,202.85 TOTAL: SI93,259.93 -- '-'JLX"'\ '3 \ "6cP '/; ..0 Prlnclpal \ Loan Date Maturity. . .. $177405,00 07-02-1998 01.;.(J2-2013 Roferences In tho shaded araB ore for Lender's usa onl PROMISSORY NOTE InWals articular loan Dr Itom. Borrower: Paul D. Thrush, Jr. Eleanor A. Thrush dba: Thrush ExCOvoUng & Paving 972 Wesl Old York Road Carlisle, PA 17013 Lender: Flnenclel TrUBI Company Main Olltca One Wesllilgh Slreal Carlisle, PA 17013 Principal Amount: $1n,405.00 Dale of Note: July 2, 1998 PROMISE TO PAY. Paul D. 111rullh, Jr. and Eleanor A. Thrush rllerrower") promise 10 pay 10 Flnancllll Trusl Company ("lender"), or order, In I4WfUI monay of Ihe united SW.. 01 Am.rlca, Ihe principal amounl 01 On. Hundred Sev.nty Seven Thousand Four Hundred Flve& 00/100 DoIIatS ($177,405.00), logelh.r wtth Inl.r..1 on Ih. unpaid principal bnIance from July 2, 1\198, unlll paid In lull. PAYMENT. SUb)ecllo any paym.nl changes r.sulllng from changes In Ih.lndex, Borrower will pay Ihlsloan In accordanc. with Ihe foIlowlrlg paymenl schedule: 38 conoecuUve monlhly principal and Inleresl paymenla 01 $2,005.59 .ach, beginning August 2, 19911, with Inlerest calcuWed on Ihe unpald principal balancea e\ an Inlerest ral. 0110.750% par annum: 143 consecutive rnonthly principal and lnlcre:! paymenl. In lh. Inlll8l smounl 01 $1,957.78 elICh, beginning Augusl 2, 2001, with Inleresl caJculalGd on IIHl unpald prInCipal ....ce. at an Inleresl rete 01 4.500 percentage polnla over Iho Index described below; and , ptlnclplllllrld Interest paymenlln lhe Inltl8l MlDunl 01 $1,958.04 on July 2, 2013, with Inlerest calCUlaled on Ihe unpaid principal balancea al an Inleresl rete 014.5Ol1 percenlage polnta over the Index descrtbed below. Thia ..Umated ftnal paymenlla baaed on the Il!lSllmpUOn lhat 1II1 paymenls will be mada exaclly II!I schedulGd ond Ihat lhe Index does nol chllnge; \he ectual ftnal paymenl wtll ba lor all principal and accrued In'ere.' nol yel paid, logelher with /lIlY olher unpald DRlO\Inla under thle Nole. Th. .nousllnl",esl rat. for Ihls Not. is comput.d on a 365/360 basis; Ihat is, by applyiog lho ratio of tho .nnuallnterest rat. ovor . year of :l6O days. mulllpiied by lho oulstaoding principal bal.nce, multiplied by Ih. actu.1 oumber of days Iha principal balance is ouistandlng. Borrow", will pay Landor at Landor's address shown ebova or at such olhar place os Landar may designata io writing. Unlass othBfWlso agr..d or required by appllcabla taw, paymeots wiU b. applied fln;t to accrued unp.id Intorest, thon to priocipol, and Bny remolnlng amount to any unpold collection costs aod lat. ctwvos. VARIABLE INTEREST RATE. Tho interost r.t. on this Noto is .ubjed 10 change from Ume to tim. based on changes In an Independaot Indox which is tho Woo\<ly Aver.go Yield on Unitad Statos Treasu'Y Securities, Adjust.d 10 . Constaot Maturily of Threo (3) Years (the 'ndox"). Tho Indox is 001 necessarily the lowesl reta charged by L.nder 00 its loans. If tho lod.x becomes uoavolleble during tho term ollhls lean, Lloder may drIsIgnate a substitute Index after notlco to Borrow",. L.nder will tell Borrow", tho curronllndex rate upon Borrow""s request. Borrow", un~lands that Laodor may mako leans based 00 otho< rates as wall. Th. loterest ral. chaog. will 001 occur more often than oach THREE YEARS. The Index currenUy II 5.750% per annum. 111e Inlereol rate or rates to be applied 10 the unpaid prlnclpol balance ollhls Nole will be tha rale or rales oellorll1 above In the "paymenl. section. NOTICE: Und.r no cileumslances will tho lotorest rat. on this Not. b. more than tho maximum rate a"owed by applicable taw. Whenever Increases occur In tho Interest rale, Lender, al Its option, may do one or mors of Ih. following: (a) Increase Borrow""s paym.nts 10 .nsure Borrower'. loan will pay olf by its original fiool malurily date, (b) iocroase Borrow",'. payments to cover occrulng Interest, (c) Increase tho number of Borrowar's payments, .od (d) continue Borrow""s payments at Ih. same amount and Increase Borrow""s final payment. PREPAYMENT. Borrow", may p.y wilhout p.nally 011 or. porilon 01 tho amounl owed eart"" than II is du.. Early paymeots wi" not, uoless agreed to by Lender In writing, relieve Borrower of Borrower's obligation to continue to mako payments under the payment schedule. Rather, they will reduce the principal balance due and may result in Borrower making fewor payments. LATE CHARGE. If a paym.nt is 1. days or more late, Borrower will b. chlll1lOd 5.000% oflhe regularty scheduled paymenl. DEFAlL T. Borrower will b. in d.faulll' .ny 01 tha follOWing happans: (a) Bonowar foils 10 make any payment when due. (b) Borrow", bmaks any promise Borrower has mada 10 Lander, or Borrow.r foils to comply Wllh or 10 portorm when due any olher Iorm, obligation, covenant, or condillon contalr.od In this NoIe or any .greem.nt related to this Note, or In any otho< agreemeot or loao Borrow", ha. with Lender. (c) Borrower dal8ulls uoder any loan, extension of credtt, securily a9reem.nt, purchase or sales a9reomant, or any othar .greem.n~ In favor of .ny other creditor or person thal may materially alfecl any of BorrOWBf's property or Borrower's ebllily 10 repay this Not. or porlorm Borrow"". obligaUons under this Note or any oflhll Related Documents. (d) My rapresantation or statement made or furnished 10 Lendor by Borrower or on Borrower's bohlllf is false or misleading In any malorlal respect oilher now or al tho time made or tumished. (e) Borrow... dies or bocomes Insolvoot, . receiver Is appointed for any pari of Borrow""s properly, Borrow", makes an assignment tor lho benefit 01 creditors, or any proceeding Is commenced e1th... by Borrower or .galns! Borrower undor any ba""ruplcy or Insolvency laws. (n My credllor tries to Jak. any of Bonow..... properly on or in which L.ndor has a ticn or secUliIy Inlora.1. This Includes a garnishmeot 01 aoy of Borrower's accouots wilh Landor. (g) Any of lho ewots described In this defaull section occurs wtth respec1 to any guarantor of this Note. (h) A mateool .dll9f5ll change occurs In Borrower's financiol condition, or L.nd... belIeveS lhe pr.....pect 01 p.yment or partormance of the lodebtedness is Impaired. (i) L.od", In good f/lith deems itsell insecure. LENOER'S RIGHTS. upon dolaull.Lender may, altor givlog such ootices as roquired by appilcobIB law, dec:Iare the .ntira unpaid prtocipal balance on this Note and all accrued unpaid int",est immediately due, aod then Borrow", will pay lhal amount. Lender may him or pay ..~ne eIs8 to help coI1eCIlhls Nola It Borrower does not psy. Borrow", also win pay Lander thBI amount. This Includes, subject 10 any Rmlts under applicable law, Laod""s altomeys' feElS and Land",'s legal expenses wh0lher or not there is . 13I"SUIl, Including attorneys' fees and klgaI expenses Icr bankruplcy proceedings (Including ol1orts to medlly or vacat. any .u1oonatlc slay or iojunclioo). appaals, and any anticipated posl-judgmonl coIfection seMc:es. If oot prohibited by appllcoble law, Borrow<< also will pay any court costs, in addltioo to an oth", sums provided by law. If Judgment Is anta<ad In conneclion ,.1lh this NOIa,lo_ wiU cootinue 10 accrue on thl. Nola ahar judgment at tha Intoresl rate applic&t>1e to this NoIt at the time judgmenlla .nlllred. 1111a Nole hall bMn delivered 10 Lender and acupled by Lender In the Commonwealth of Pemoylvlllla. "there Is a IawIUlt, Borrower agree-s upon Lender's requeot 10 submit 10 !he Jurisdiction oflhll courts of Cumberlancl County, the eomnlOllWeaIlh of PemaylvanlL Thts Nole lIhOIII be gov<<ned by and construed In IlCCOrdlllce with \he law. ollhe Commonwealth of PennS)'lvlRlL RlGKf OF SETOff. Borrow<< graots 10 Land", a contractual securi Int6rt!St In, aod hertlOy assigns, conveys, delivln, pledges. and transfln 10 Lender all BorrOWlll's ri;lot. lrtIe aod Intoresl 'n and to, B 'holher checldng, savings, or ..me 0Iho< accounl), Including wi1hout limitation an QCCOunts tl9ld jOlnUy wi1h someone EXHIBIT y opan In the Mum, excluding hoW..... all IRA and t<.eog~ accounts, and aI t"..t accouo!$ for whICh the grant of tJ ibiled by law. Borrow... authortms L6Rder, to lhIIexfllnt pormilled by applabkl Illw, to charge or. ..,Ioft on. I arl}' snd an suc~ accounts, snd, 01 Lander's optlon, to a~minlStratively hOEZl! aa such accounts to .now Lender I __ nghts provided on thiS paragraph. COLLATERAL This NolO is seeurad by. ,n add,tion 10 daled July 2. 1998, 10 Landtlr on rMl property located In WHEN RECORDED MAIL TO: Anonclal Tru.t Company clo Keystone Loan Operanon. A TIN: Collet.ral Dept. 130 Court Street, Po Box 31a7 WlIlIlIllIspor!, PA 17701 SPACE ABOVE THIS LINE IS FOR RECOROER'S USE ONt. y MORTGAGE THIS MORTGAGE IS DAlEO JULY 2, 1998, between Paul D. Thrush, Jr. and Eleanor A. Thrush, whose address lIS 972 West Old York Rood, Carlisle, PA 17013 (referred to below as "Grantor"); and Financial Trust Company, whose address Is One West High Street, Carlisle, PA 17013 (referred to below as "Lender"). GRANT OF MORTGAGE. Far valuable consld.rellon. Grlllltor gr....ts, bargclns, sells, canveys, lISS/gna, lrIInstenI, rel.ases, connrm. ....d mortgages to Lend.r aU 01 Granto(s righl. IIl1a. and Intareslln and 10 lhe fclJowlng dascribed real property. logolher with all axisting or subsequently oroclod or atllxed buildings, Impravemants and fixtures: all streets. lanes. alleys. passages. and ways: all oasemonts. rights 01 way. all liberties, priVllagos. lena"",nls. heredita"",nts, and appurtonancos thereunlo bolonglng or anywtse made appurtenant her""n.... and Ihe raverslons and remainders wllh respecllhereto: all water, waler rights. walercou,,"," and ditch righls (Including slock In utililles wilh ditch or ilTlgallon righls); and all olher righls, royalll... and profils relating 10 the real property. Including wilhoulllmllallon aD minerai!. 011. gas. geothermal and similar mallem, located In Cumberland County, Commonwealth of Pennsylvania (the "Real Property"): SEE EXHIBIT "A" ATTACHED HERETO AND INCORPORATED HEREIN BY REFERENCE. The Real Property or its address Is commonly known as 972 West Old York Road, Carlisle, PA 17013. Grantor presenlly assigns 10 Lendor aU at Grantor's righl. 11110, and interest In and 10 all leases of tho Property and all Renls tram tho Property. In addlllon. Granlor grants 10 Lender a Unffarm Commercial Code security Inlerest in the P""onal Property and Rents. DEFINITtONS. The foBowlng words shall have the follo\Ylng moonings when used In this Mortgaga. Terms nol otherwise definl>d In this Mortgago shaD heve tho meanings altrtbuled to such terms in the Unllorm Commercial Code. All refanlllC8S to dollar amounts shall mean amounts In lawflJl money 01 tha UnJled Stales Of America. Exlsllng Indebtedn.... The wards "Existing Indebtedness" moan lhe indebtedness described below in Ihe ExIsting Indebledness section of this Mortgage. GrIlntor. The \Yord "Gr.nIO/" moans Paul D. Thrush, Jr. and El.anor A. Thrush. The Granlor is the mortgaoor under thl. Mortgage. Guaranlor. The word "Guarantor" means and in<:ludes without limitation oach and all of the guaranlors, sureties. and accommOdation parties in connection with Ihe Indebtedness. Improvements. The word 'mprovements" means and inetudes without limitation all existing and future improvoments. buildings. slrucfures, mobile homes alflxed on the Real Proporty. lacililles, additions, leptaeemenl5 and olher construction on lho Real Property. Indebtedness. The word 'ndebledooss" "",an. all principal and Interest payable under the Note and any amounts sxpended or advanced by Lend... 10 discharge obligations of Granlor or expenses Incurred by I.end", 10 enforco obligations 01 Grantor under this Mortgaoe, togethor with inlol'Bst on such amounts as provided in thrs Mortgage. In addition to the Nolo, the wc:wd 'ndobtodness- lnctudot aU obHgaUom, debts and liabilities, pillS Inloreslthcreon. of GllIntor to Lender. or anyone or more 01 them. as well as all claims by Landor agatns! Grantor. or any 0,," or mO<ll at lhem. whether now axisflng or hereafter arising. whathor related or urnlaled to the PU'Poso of lhe Note. whether voluntary or olherWlse. whether due or nof due. &bso/ula or contingent. IiQuid:1tad or unliquidated and wholher Grantor may be liable indMduaUy or joinUy ..'ith otherll. whether obligated as gualllntor or otherwisa, and whether recovery upon such Indebtedness may be or hereafter may bacoma bsrI'edby any SlaMa 01 limitations, and whelher such Indebtedness may be or hereafter may become otherwise unenfOfteSble. (Inll1lll Kere ,;:", ii. "}.I':,:.i: I Lender. Tho word 'tender' means FinallClal Trust Company, lis sua:essor.s and assigns. Tho Lender Is lhe martgegee under Ihls Mortgage. Mortgelll'. The word "Mortgage" moans Ihis Mortgage between Grantor and Lender, and includes without limitation all assignments and securtty inlllresl provisions relating to Ihe P.....onal Property and Rents. Note. Tho ward "Note" means the promissory nole or crt>dll agreement cL11ed Ju/f 2, 1998. In the orlgln!ll principal amount 01 51 n,405.00 from Granlor 10 Lender. together wdh aD renow&ls of. _ of. modfficallons of. relinanclngo of. consolidations 01. and substitutions lor Ihe promissory nola or aweement. "OT}CE TO GRANTOR: THE NOTE CONTAINS A VARIABLE INTEREST RATE. Perronal Property. Tho words 1'orsonal Property" mean all equipment, flxtlnS. and other article. 01 PMOnSI prnpe1y now or hereafter ownad by Grantor. and now or hereallar a~hed or atllxed to the Real Propu1y; togolhet with all ,,:cessions. parts. and add.11Ons 10. aI replicemenls of. and all subs!l!ubons lor. any at such property; and logeth... WIth al proceeds QncfurtUlg Wl!houltimilation all insurance p'ocoeds and refunds 01 premiums) !rom any Slle or olher do;position 01 the P!'cperty. Property. The word"Prop<Vly" means coJlec1lvely \he Real Propllltr and Ihe Plnonal Prtlp!w1y. Ru/ Propetfy. The wards 'Real Property" mean the ~ EXHIBIT ~abCMl in lha"Grant 01 Mortgago" section. RelaIecl Documents. The "'ards "Relal.ad Oocume 1) brrlltatlOn al promiUQ.'y noles, crodIl agrnments, loan _mants. enYlronmemal eoreoments. oua.ranties, I 01 trust, and aI olhor instruments, .~ and documonts. whether now or herean... _bng. execute . /" \-;::;- C'i 07-o2-199~ MORTGAGE (Continued) Page 2 Renls. The word "Rents" means all presenl and luture rents, revenues, income, issues. royallles. prollls. end oth... benents derived ~om the Property. THIS MORTGAGE. INCLUDING THE ASSIGNMENT OF RENTS AND THE SECURITY INTEREST IN THE RENTS AND PERSONAL PROPERTY, IS GIVEN TO SECURE 11) PAYMENT OF THE INDEBTEDNESS AND 12) PERFORMANCE OF ALl OBliGATIONS OF GRANTOR UNDER 'THIS MORTGAGE AND THE RElATED DOCUMENTS. THIS MORTGAGE IS GIVEN AND ACCEPTED ON THE FOLLOWING TERMS: PAYMENT AND PERFORMANCE. Excopl as olherwrsa provided In this Mortgage, Grenlor shall pay 10 Lendor all emounts socurad by this Mortgage as lhey become due, and shall shlclly perlorm all of Granlo~s obl;gallons under Ihis Mortgage. POSSESSION AND MAINTENANCE OF THE PROPERTY. Grantor agrees thai Granlo~s possesSion and usa 01 the Property shall b. governed by lhe loIlowIng provisions: Possesslon and USe. Until in default. Granlor may remain in possession and control 01 and operata and manage the Property and collect Iha Rents from the Property. Duty 10 Malntaln. Grantor shall maintain Ihe Property in tenantable condition and prompUy parlorm all repairs. replacements, and maintonance necessary to preserve its value. _ous Substances. The I...ms "hazardous wasle; "hazardous substance; "dlsposel; "release; and 'hreatened release; as used In Ihis Mortgage. shall have Ihe same meanings as sel forth In lhe Comprehensive Environmental Response. ComponseUon. end Uabllity Act 01 1980, as amended. 42 U.S.C. Section 9601. el SBQ. rCERClA"J, the Superfund Amendments and Reauthonzation Act 01 1986. Pub. L No. 99-499 rSARA"J. the Hazardous Malenals Transpor1aUon Act. 49 U.S.C. SecIlon ISO'. el seq.. the Resource Conservation and Recovery Act. 42 U.S.C. Section 6901, et seq., or other applicable slate or Federal laws. rules. or reguletions adopted pursuanl 10 any of lhe foregoing. The larms "hazardous waste" and "haZardOUS substance" shall also includ/l, without limitation, petroleum and petioleum by-produc1s or any fraction therllol and asbestos. Granlor represents and warrants to Lender that (a) During the period of Granlor's ownership of the Property. there has been no use, generation. manufacture. storage. tieatment. dtsposal. rei..... or threatened rei.... of any hazardous waste or substance by any pInOn on. undor. about or from the Property; (b) Grantor has no knowledge 01. or reason to believe thelthere has been. excepl as previously disclosed to and acknowledl/ed by Lender In wlitlng. (i) any use, generation. manufecture. stomge. treatment. disposal. release. or Ihreataned releasII 01 any hazardous waste or substance on. under. about or from the Property by any plior owners or occupents 01 tho Property or (II) any ectual or thrnatened litigation or claims 01 eny kind by any person relating 10 suCh malters; and (c) Except as pr9viously disclosed 10 and acknowledged by Lender in writing. (I) neither Granlor nor any tenant. confreetor. agent or other authOlizad user 01 the Property shall uS;!, gene..ate. manUlacture. store, trea~ dispose ot. or release any hazardous waste or substance nn. under, about or from the Property end (Ii) any such ectivity shall be conducted In compliance with all applicable fedoral. stale. and local laws. regutations and ordinances. Including without limitation those laws, regulations. and ordinances described above. Granlor authorizes Lender and lis agents to enter upon the Property 10 make such inspoctlons and tests. al Grantor's expense, as Lender may deem appropriate to determine compliance of the Property with this section of the Mortgage. Any Inspections or tests made by Lender shall be for Lendor's purposes only and shall not be construed 10 create any responsibilily or IlabUlIy on the part 01 Lender to Grantor or to any other person. The representations and wlllTllnties contained herein are bllSlld on Grantor's due d1ligonce In IrMlStigating the Property lor hazardous waste and hazardous substances. Grantor hereby (a) rei<3eSeS and waives any future claims against Lender for Indemnlly or contribution In the event Grantor becomes liable for cleanup or other casis under any such laws. and (b) agrees to indemnify and hold harmless Lender againsl any and all claJms, ioSSB9. ilabiUties, damages. penalties. and expenses which Lender may dJmc:tIy or Indlrec1ly sustain or suffer resulting from a breach oIlhis section ollhe Mortgage or as a consequence 01 any u.... generation, manulaclunl, storage. disposal. _ or threatened ",lease 01 a hazardous waste or substance on the properties. The provisions 01 this seclion 01 the Mortgage. including the obligation 10 indemnily, shall SUMVD Ihe payment at the Indebledness and lhe satisfacl!on and reconveyance 01 the lien 01 ' Ih.'s Mortgage and shall nol be affected by Lend....s acquisition of any interesl in the Property. whether by foreclosure or otherwiso. Nuisance, Waste. Grantor shall not cause. conduct or permit any nuisance nor commit, permit. or suffer any sbipping 01 or waste on or to lho Property or any portion of the Property. Without Iimrting the generalily 01 the foregolng. Granlor will not removo. or grant to any olhe< party lhtI right to remove, any timber, minerafs (including oil and gas). soil, gravel or rock products without the prior written consent of Lender. Removal 01 Improvemenls. Grantor shall nol demolish or ",move any Improvements from the Roal Property withoUlthe prior wliltGn consent 01 Lender. As a coodlUon to the r&mo\o'al of arrt1mprcv-tsffiGiits. L6nd&r may requlm Grantor to maka arrunge:mants sa.est;cto:y to Lendc::' to ~!::a: such Improvements W1th Improvements of atleasl equal value. l.ender's RIghI to Enler. Lender and its agenls and representatives may enler upon lhe Real Property al all ",,,,,,,nable times 10 attend to Lender's inlerests and to Inspect the Property lor purposes of Grantor's compliance with the terms end conditions of thIS Mortgage. Compliance with Govemrnenllll Requirements. Gran"" shall promptly comply with an laws. ordinances. and regulations. now or herMllIlr In eftect. 01 all governmental authorities applicable to the use Of occupancy of the Property. Including withoul imitation. the Americans Wrth Disabilr.ies Act. Granlor may conlest In good 'alth any such law. ordinance. or regutaUon and withhold compliance durtng any proceedlng. including appropriate appeals, so fang as Grantor has notilled Lender In writing prior to dolng so and so long as. In Lender's sole opInlon. Lender's jr.teresls in the Property "'" not jeopardized. Lender may reqUIre Glllnlor to post adequate !<<Urily or a surely bond. rea\onably $8l1sfadO!)' to Lend..., 10 prolect Lender's interest. Duty 10 Protecl. Grantor agrees nellher to abandon nor leeve unattended the Proparty. Granlor st.ali do all other acts. In addition to Ihose acts sat forth above in this !;OCtlon, which from it\:! character And use of the Property are reasonably necessary to protect and preS8f'\lll the Property. DUE ON SALE - CONSENT BY LEllOER. Lender may. allls opbon. doclare immedialllly due and payable all sums secured by IhlS Mortgaga upon the sale or transfer. withOUt the Lender's prior wotten conoenl. 01 all or any part 01 the RoaJ Property, or any inleresl in the RaaI Property. A "ute or transfs" means the conveyance 01 Real Property or any righ~ title or in_t therein; whether legal. beneficial or eQuitable: whether voluntary or Involuntary. whether by oubight sale. deed, instaltment sale contract. land conhad. contract lor deed. leasahold Interest WIth a I...m grNter than """" (3))"881$, Joase-option contract. IX by sale. assignment. or tiansfer 01 any beneficull inlarest In or 10 any land trust holding tilll to lhe Real Property. or by any other method 01 conveyance of Real Property 'ntomsl. If any Grantor is a corpomtion, partnership or limited liabllily company. transfer also Includes any change In ownership 01 more thin twenly-five pOlCent (25%) 01 the voling stock, partnership interests or limited llabllity company interests. as the case may be, or Grantor. However. thIS option shall nol be exerCl$Bd by Lender it such BXllfCIS8 is prohJblled by led&'aI law or by "-nnsjlV&nia law. TAXES AND LIENS. The 10ilowi"9 proV1Slons relabng 10 tho taxes and liOns on the Property llfll a part of thJs Mortgage. Pllfment. Grantor shaU pay when due (end in II events pnor to delinquency) all taxes. payroU faxes. special taxes. c.....$ments. water chargaS and sewer $8I'Vice charges levied againsl or on account of the Property. and shall pay when due all claims for work dono on or tor SllfYlCl!S rendered or malenalll>'OlShed to the Property. Granlor shell malOtaln the Property Ireo at aI liens haVIng pnorily ov<< or eQual to lhe ,n1O<Ml or LMder undal' Ihls Mortgaga. excepl tor lhO lien 01 taxes and ......menls not due, except lor the E>osting Inclellladness referr8d 10 below. and _I III otherwise proVIded in the follOWIng paragraph. Righi To Contest. Granlor may WIthhold paymenl of any lax, assessment. or claim in connaction with a good laith disllute avet the obIl\)Iltion to 07-02-1998 . MORTGAGE (Continued) Page 3 pey, so long as Lender's inleresl in Ihe Property Is nol jeoperdized. II a lien arises or Is filed as a resull of nonpeymenl. Granlor shall wllhin fltloon (15) days anar Ihallan arises or, il a lien Is med. wllhln finoen (15) days aner Granlor has nollce 01 the filing, secU18lhe dIsCharge Of Ihe lien, or II requeslad by Lender. daposil wllh lender cash or a suffielant corporata surety bond or other security satlsfaclory 10 lender In an amounl sufftclanl 10 dlsCharga Iha lion plus any cos" and allemoys' lees or olher charges Ihol could accrue as a resull of a loroclosure or sale undot the lien. In any conlest. Grantor shall defend ilsoll and lender and shall sallsly eny advOl'S8 judgment belore enforcemenl agalnsltha Property. Granlor shan name lendar as an additional obllgaa under any surety bond furnished In th. conlest proceedings. Evldance 01 paymenl. Granlor shall upon damand Iurnlsh 10 Lendar sallslactory avidanca ot paymenl of Ihe I.... or llSSO$smants and shll aulhorim the appropriala governmental offlclalto dollver to lander al any tima a written statement 01 the !axes and assessments agalnstlha Property. Nallce 01 ConstrucUon. Grantor shall notily lander at least fifleen (15) days before any wort< is commenced. any soMcOS are furnished, or any malerials are supplied to tho Property. II any mechanic's lion. malonalmen's lion, or olhar lion could ba asserted on account ollhe work. services, or materiats and lhe cost oxcaeds $5.000.00. Grantor will upon requost 01 lander Iurnish to Lender advance assurances satisfaclory 10 lendor thai Granlor can and will pay Iha cosl of such Improvements. PROPERTY DAMAGE INSURANCE. Tho following provisions relating to Insuring tho Property am a part of this Mortgaga. MalnlenllllCe 01 Insurance. Granlor shall procure and malnlaln policies of fire insurance wilh standard extanded coverage endorsements on a reptacam,,"t basiS fO( tho lulllnsurabla value covering afllmprovements on lha Real Property in an amount sufflclenl to avoid application of any coinsurance clause, and WIth a standard mortgagee clause In favor of Lander. Granlor shall aiso procura and maintain comprehensive general llablJlty Insurance In such covers"" amounls as Lend... may requesl with Lendar being named as addlllonallnsureds In such 1IaIllllty Insuranca policies. Additionally, Grantor shs.U maintain such other insurance. Ineludlng bul not limited to hazard. business inlarruption and boiler insUlllJ'oCS as Lander may requlra. Policies shall be written by such insurance companlas and in such form as may ba raasonably acceptable 10 Lender. Granlor shall daliver 10 Lender _Ies 01 coveraga from each Insuror containing a stipulation Ihat COlll'!llge wIU not be cancell&d or diminished without. a minimum of Ion (10) days' prior written nollea 10 Lender and nol containing any disclaimer Of lhe insu",,'s liability lor failure 10 give such nolico. Each Insurance policy also snail includa an andornemenl providing thel coverage In lavor of Lender will nol be Impaired In any way by any act, omission or default of Granlor or any other p"",on. Should the Real Property al any Hme become located in on area designated by tho Dlractor 01 lhe Federal Emergency Managament Agency as a special nOod haz3rd area. Grantor agrees 10 obtain and maintain Federal Rood Insurance lor Iha lull unpaid prinepal balance Of the loan. up 10 Iha maximum policy limits set under the National Rood Insurance Program, or as otherwise required by lender, and to maintain such insurance for lhe term Of the loan. Application 01 Proceeds. Granlor shall promplly no~1y Lender of any loss or damage to the Property II lhe estimated cost 01 repair or replacamanl excaods $500.00. Lender may make prool Of loss il Granlor fails 10 do so within nnoon (15) days ollh. casually. Whether or not Land81's security Is impaired, lendar may. .tlts election, apply the procoods 10 tho roduction of Ihe Indobladnoss, payment 01 any lien aflecting tho Property, or tho ",.toration and repair of the Property. II Lander oIects 10 apply the proceeds 10 resloration and repair, Granlor shall repair or repl4ca the damaged or destroyed tmprovements In a monnor sallsfaclory 10 lender. lender shall, upon satisfactory proof'" such expendltura, payor relmburse Grantor trom the proceeds for the reasonable cost Of repair or resloration II Grantor Is not In dolault under this Mortgag.. Any procoeds which have not been disbUlSod wllt;n 180 days atter lheir receipl and which Lender has nol committed to Iha rapalr or resloraHon oltha Proparty shd be used ~t to pay any amount owing 10 Lender under lhis Mortgaga, then to pey aceruod Interest, and the remainder. II any. shal be applted to the principal balance ollhe Indebledness. II Land81 holds any proceeds aner payment In 101 01 the Indebtedness. such proceeds shall be paid to Granlor. Unexptre<llnsunll1Ce at Sale. Any unexpired Insurance shall inura 10 the benenl Of, and pass 10, the purchaser 01 the Property covered by th~ Mortgage al any trustee's sate or othar sala held under the provisions of lhls Mortgage. or at any IorecIcsura sale of such Proparty. Compliance willi ExlsUng tndebtedness. During lhe period In which any Existing Indebtedness described below Is In effect, compliance with lno Insurance ProY.sIons contained In tha Inslrumant 8IIldencing such ExistIng Indebted..... shall constitute compliance wIlh lhe Insurance provisions under this Mortgage, to the extent compliance wilh the terms 01 this Mortgage would constitule a duplication 01 Insurance requinlmenl. II any procaeds from the insurance become payable on loss. the proVlsJOns in IhIs Mortgago for division 01 proceeds shall BOoty only 10 lhat portlon 01 !he proceeds not payable to lho holder of tho Existing tndebtedness. Granlor'a Report on In...rance. Upon raqUElSt Of lender, however nol mora lhan once a year, Grantor shalllumis~ to Lender a report on each Illdsting policy of Insurance showing: (a) the name 01 tha insurer; (b) the risks insurad; (c) lhe amount Of tha policy; (d) Iha property Insured, lho Ihen current replacement \/Ill"" 01 such p;oparty, and the man_ 0/ datarmlnlng that value; and (a) tho axplratton data of !he policy. Granlor shill. upon request 01 Lendar, have an Independant appralser sallsfaClory 10 Lander delorml". the cash value replacemenl cost 01 the Property. EXPENDtTlJRES BY LENDER. II Grantor fails to comply with any prOVISion 0/ this Mortgago. lneudlng any obligation to malntaln Existing Indebtednoss In good standing as required below, or " any acllon or proceeding IS commenced thist would matortally allect Lend81's Interests in the Property, Landor on Granlor's behalf may, but shall nol bI requited to, ta~a any don that Lender deems appropriate. Any amount that Lander expends In so doing wiI beat JnteresI at !he rata provided lor In tho Nolo from the date incurred or paid by Lender to the date Of repaymenl by Granlor. AI such 1!IXI>8n58S, al Lender's option. wll (a) be payable on demand. (b) ba added 10 the balance oIlha Nota end be apportioned among and be payable with any inslllllmont payments to become duo during _ (I) tho lorm 0/ any apphcablo Insurance policy or (Ii) the remaining term of the Nolo, or (c) be lrallod as a balloon payment which will be duo and payable at the Nolo's matunty. Thls Morlgage also wII secura payment Of lhasg amounts. Thl rights provided for in thil paragr1Qh shall bo in add-'1!on to any other rigllts or any ramedlolllo which Lender may ba enlilled on accounl 01 the dofaul Any suell acllo" by Lender .ha11 nol be consbued as cunng the default SO as to bar Lander trom any remedy lhet " olherwise would have had. Granlor's obligation 10 Lender lor all such expenses !ohaI SUIVMIlhe entry 0/ any mortgaQa forectosure judgment. WARllAHTY; DEFEllSE OF 11Tl..E. The loIlowing O'OVl5lOns raating 10 owrlOtShlp of tho Property ara a part ot this Mortgaga. TIlle. Grantor warra"ts that (a) Granlot holds good and m&l1<elable \JIIo of rACOrd 10 the Property in lee Simple, Irae and claar 01 all liens and encumbrllnces other than those set lortl1 in the Real Property descripbon or In tho Exlsting Indebtedness seelIon below or In any title insurance policy, IllIe report. or ftnallltlo opiniOn ISsued In lavor 01. and acceptod by. Lender In connection W1lt1thlS Mortgage. and (b) Grantor has the Iul righ~ power, andlut1\only 10 8X8CUla Ind dalIvGr_ Matva"" 10 londor. oetense oI11Ue. SubjOCl to tha _bOn In the par"'.,-aph tbove, Grantor wananls and wdI forever dolond lhe lIt1G to the Property aQalnsllht lawful Claims 01 all persons. In the evenl any ac1Ion or proceeding is commenced thai qucstlons Glantor's Iilte or the Interest of Lender unclo< this M~QO. Grantor ahRI defend lhe ac1Ion at Grantor'. llXP8nse. Granlor may be tho nominal party in such proceeding, but Lendor shal be entitled 10 par1I::lpale in the proceeding and 10 be ~Ied In the proceeding by counSOl ct. Lendor's own cholca. and Gra"tor wII doli,""" or cause 10 bG daIIl'9'ed. 10 Lender ~UCh ~1rJment:l !3 Lender mev requcz1lrom timo 10 limo to per,",1 ouch participation. Compliance WIlli LlI<<s. Grantor wananls that the Property and Grantor's 1M 01 the Property complies WIth all 8X1Sbng apphcacle laws, ordinances. and rogutallons of governmental aUlt1or1hes. EXISTING INDEBTEDNESS. Tho loIIOWIng 0'''''''''''' coneeming smbng ,nOfbledrlllSS (lho 'Ulsting Indeblodness; are a part 01 thIS MOrtgage. 07-02-1998 MORTGAGE (Continued) Page 4 ExIsting Wen. The lien 01 this Mo~gege securing Ihe Indebledness may be secondary and inforior 10 an eXisUng lion. Granlor expressly covenants and agrees 10 pay, or see 10 Ihe pavmenl at, Ihe Existing Indebladness and 10 prevent anv defaull on such indebledness, any delault undor tha instrumants evld.nclng such indebtedness, or anv delault under anv secunty documenls lor such Indebtedness. Default. IIlhe p.vment olanv installmant of principal or any inlarest on tha EmUng Indebtedness is not mad. within Iho lima rsqUlred bV the nolo .Vldencing such indebledness, or should a default or.cur under the instrument securing sucn indebtednll$' and not ba cured during any applicable grace period lhe""n, Insn, at Ihe option 01 LandGr, Ino Indebledne.. secured bV thl. Mortgage shall become Immedialefv due and payable, and Ihts Mo~gage shall be in dataull. No Modlllemlon. Granlor shall nol enler Into anv ogreement with Ihe holder 01 any mo~gage or olher secunty ogreement which haS prionly over fhis Mo~gag. bV which Ihat .greement is modified, amended. .xt.nd.d, or renewed wllhoullh. pnor wnnen consent 01 Lender. Grantor shall ".;Iher request nor accept any future advancll$ under anv such security agreement WIthout the prior wrilllln consent 01 L.nd.... CONDEMNATION. ThelolloWlng provision. rolating to condemnation ollhe Property an> e part of thIS Mortgage. Application 01 Nel Proceeds. II all or any part of Ih. Property is condemned bV emlnonl domain proceedings or bV any proceed;11\l or purchase In lieu of cond.mnation, Lender mav 01 its election requlr. that all or any portion ollh. net proceedS of Ih. award b. applied to lhe InifeblednllSs or the repair or restoration 01 the Property. The net proceeds of !he award sholl mean fhe award .ner payment 01 all acillal costs, axpons.., and anorneys' fees incurr.d bV Lender In connection with lhe condamnaUon. proceedings. II any proceeding In cond.mnation ts filed. Grantor shell promptly notity Londer in wnting, and Granlor shan promptiv take such slops as IlllIV be necessary to defend the action and obloin lhe award. Granlor m.V be the nomin.1 party In such proceeding. but Lender shall be .nllUed to participate in the proceeding ond to b. represented In the proceeding bV counsel 01113 own chcieo. llnd Grantor will deliver or cause 10 bo deliver8d to L.nder such instrumenlS as may be requooled bV it lrem time 10 time to permllsuch participation. IMPOSITION OF TAXES, FEES AND CHARGES BY GOVERNMENTAL AUTHORITIES. Th.'ollowing provisions relating 10 governmonlaltax.., fees and chargos.are e pari of IhI. Mortgage: Current Taxes, F!1ls III1d Ch/l'ges. Upon request bV Lender. Grantor shall execute such documents in addition fa this Mortgage and take whate"'" other action ts requested by Lend.r to partee! and continue Lender's lien on lhe Real Property. Grantor shall reimburse Lend... lor all taxes. as described below. together wilh aU expenses Incurred in record;ng, pertecllng or continuing this Mortgage, Including wlthoutllmilation all taxes, tees, documentary stamps. and olher charges for recording or reglslering this Mortgage. Taxes, The following shall consUtute taxes 10 which this section appiles: (a) a specifiC tax upon this type of Mortgage or upon all or any pa~ of Iha Indebtedness secured bV this Mortgage; (b) a spec;lIc tax on Granlor which Grantor ts .uthortzed or required to d.duct trom payments on Ihe Indebtedness secured bV this type of Mortgage; (c) a tax en \hts type of Mortgage chargeable agelnst the Lender or the holder of lhe Note; and (d) a specific tax on aU or any portion of Ihe Indebtedness or on pavmenb 01 principal and Interest made by Granlor. Subsequent Taxes. II any tax to which Ihts secUon applies is .nactod subsequent 10 the date of this Mortgage, this evenl shall have lha same enoct as an Event of Defaull (as defined below). and Lender may exercisa any or ail of its available remedies for an Evenl of Detaull as provided below unleso Granlor either (a) pays the tax before It becomes datlnquenl, or (b) contests lhe tax as provlCed above in Ihe Taxes and Uens secUon alld deposits WIth Lender cash or a sufficient corporete surety bond or olher security satislactory 10 Lander. SECURITY AGREEMENT; FINANCING STATEMENTS. The following provisiOns relating to this Mortgage as a secunty agreement are a part 01 this Mortgage. Securlty Agreement. This instrument shall conslllule a secunty agreemenllo the extent any 01 the Property constitutes flxtures or olher personal prop.rty. and Lender shall have all ollhe rights of a secured party under !he Undorm Commerci.1 Coda as amended trcm time 10 time. Securtty Interest. Upon request bV Lender. Grantor shall execute financing statem.nts and take whate\lll' olher actlon is requesled bV Lender to perfect and continue Lend....s security Inler..t in !he Renb and P...onal Property. in addition to recording II\is Mortgage in the real propar1y ,""",do, Lend.. may, al anv lime and wilhout furth... authorimlion from Granlor. file a'<9CUted counla<JlW, copies or reproductlo", of this Mortgege as a financing statemen!. Grantor shall roimb..... l8nCler lot aU 6J<Il'l"'" 1r>C.....d In p..lc.llng or """tin.,;"'J this oaw1ty Intarest. Upon defautl. Grantor shall a.ssamble the Plnonal Proporty in a manner and al a place reasonabty ccnvenient to Grantor and Lender and make II evailable to Londer Wllhln Ihree (3) days aller IOCOIpt of wntlen demand from Lender. Adllre....... The maiilng .ddresses of Grantor (deblor) and Lend'" (secured party). from which inlormalion concerning the secUrity In!trest grant9d by this Mortg.ge /TIOV be obtained (eech as ",quired bV tno Unrlorm Commercial Code). are as staled on the l\r$t paoe 01 thiS Mortg&ge. FURTHER ASSURANCES; ATTORNEY-IN-FACT. The following proVIsions rel.a.ting to further assurances end .lIor"".,....n-Iacl ar1I a part of this Morto.ge. FUI1l1er Asall,.,ces. At any timo, and liom time to time. upon request 01 Lende:', Grantor will make, execute and de1M>', or WIll causa to be made, executed or deliven!d, to Lender or to Lend..... deSignee, and when requested bV Lendor. cause to ba tiled, racorde<i, reIUad, or rerecorded. as tha case mav b.. al such timeo and In such offlce5 end piaces os Lender may deem appropnate, any and all such morto-. deeds oltrus!. secunty _ds, secunty Oil_IS, finanong statements. continuation statements, Instrumenb oflurther assurance. cortil\cales, and other documents as may. in lhe sole opinion of Lender. be necessary or deslrable In order to effoctualo, complele, ptlrtec.i. continUll. or prllS8lV8 (a) the obligations 01 Glanlor under the Note, thts Mortgage, and the Related Dcr.uments, and (b) the lienS and sacunty Interests created bV thIS Mortgag. on !he Property. whether now owned or _nor acquired bV Grantor. Unless prohlblled by law or agreed 10 the contrary by Lender in wntil1\l, Glllnlor shall relmbun;a Lender for all costs and expenses Incurred In connection Wllh the mailers - to in thI$ paragraph. Attomey-lrl-facl. If Grantor tails to do any of the things r.li:",ed 10 in the proceding paragraph, L8tlder may do 10 lot and In the nama 01 Granlor and at Gronlor's axpBllse. For such purposes, Granlor herebV irrevocablV apPOints Lender as Grantor's allorney-<n-lad lot the purpose of making. executing, dei""nng, lifing. recording, and doing aI olher things as may be necessary or do'..irable. in IAoder's solo opinion. to accomplish the m&lIen r_ed to In the preceding paragraph. Fll..L PERFORMANCE. If Grantor plYS al!he Indebtedness ",""n due, and olhQrWlSl pOf1orrns am the obl>gatlons impc>>ed upon Grantor under this Mortgage. Lender shaI execute and deliver 10 GI1lntor a .ullable SAtislactiOn of thIS Mortgago and sUIl&ble .tallm&nls of le'minallon of any ftnandl10 statement on file tv1dencing Lend..... sacunty Inlerll$lln lhe fl.\lrlts and the p"",onal Property. Grantor W1Il pay. d ponml1Gd by applcable law, any reuonab~ termlnabon lee u determined by Lender from tune to time.. DffAl.t.T. Eazh 01100 follOWIng, at the opbon of Lender, .nan constlUlo an event 01 dCfaulf ("Event of Default") under thIS Mortgago; 0.1..." on Indebll!<lneSa. Failure 01 Granlor to make anv paymen1 when due on the Indebtedn..... Del...lt on Other p.,ments. Failure of Granlor within the ti"'" reqUlIl!d bV thIS MorI"',.ago 10 make aoy plVment lor taxes or insurance. or any o!.~ P!~ ~ to pr"vent filing of or to eneel di$Ch&rvt of Iny hen. 07-02-1998 . MORTGAGE (Continued) Page 5 Compliance Defaull. FaJlure 01 Granlor 10 comply WIth any olher lerm. obllgahon. covenanl or condition contained In Ihis Mortgage. the Not. or In eny 01 the Relaled Documents. De'eullln Fevor 01 Third Portles. Should Grentor default under any loan, extension 01 credn, security agreement, purchase or sales agreement. or any other agmement. In favor of any olher CtIldltor or person thel may materially affect any 01 Grantor's property or Granlor's ability to repay the Nole or Gr.nlo~s ability to parlorm Granlo~s obligations und... this Mortgage or any ollhe Relalad Documents. Folse Slatemenls. Any warranty, ropresentahon or stalemsnt made or furnished to I.8nder by or on behalf 01 Granlor under Ihls Mortgage. I"" Note or tha Relaled Documents Is IaIsa or mISleading .n any malerial raspect. either now or at Ihatlme made or furnished. Detective Colletel'llllzallon. This Mortgage or any ollhe Related Documenls caasas 10 be In full force and effecl (Including fallu", of any collaleral documents 10 creole a valid and perfected secunty Intamsl or lien) at any lime and for any reason. Deelh or Insolvency. The death of Grantor or the dlssoluhon or tarmlnation of Grantor's existence as a going business, the Insclvency 01 Grantor, Ihe appoinlmenl 01 a receiver for any part of Grantor's property, any assignment lor the benefit of credners, eny type of creditor wort<oul, or Ihe commencement 0' any proceeding under any bankruptcy or insolvancy laws by or against Grantor. ForeeIOSUl1l, For1etIuIl!, ele. Commancemant of foreclosura or forterlU", proceedings, whather by Judicial proceeding, self-help. rapOSsesston or any other method. by any creditor 01 Grantor or by any governmental agency against any ollhe Property. However, this subsection shan nof "!'ply in the evant of a good faith dispute by Granlor as 10 the validity or reasonableness of lhe c1arm whICh IS the basrs of the foreclosura or forafejfUre proceeding. provided lhel Grantor gives Lender wnffen notice of such claim and furnishes reserves or a surety bond for the claim satisfactory to Lender. BrellCh of Other Agreement. Any b",ach by Grantor under tho terms of any other agrCflment bet....een Grantor and Lender that Is not remedied within any grace period provided therein. InclUding withoutllmilatlon any agreement concerning any Indebtedness or other obligation of Grantor 10 Lender, whether existing "OW or later. Exlsllng Indebtedness. A default shaA occur under .any Exlsting Indebtedness or under any instrument on the Property securing any Exlsting Indebtedness, or commencement of any suit or other action to foreclose any exisUng lion on the Property. Evanls AlfecUng Guarantor. Any 01 tho preceding events occurs wrth respect to any Guarantor of any of the Indebtedness or any Guarantor dies or becomes Incompetent, or revokes or dispules the validity of, or liability under, any Guaranty of the Indebtedness. Adverse Change. A material adverso chenga occurs in Granlor's financial condihon, or Lender believes lhe prospect of payment or petfonnance of the Indebtedness is Impaired. Inseeurtty. Lender in good la.th deems itself insecure. RIGHTS AND REMEDIES ON DEFAlJ.T. Upon the occurrence of any Evant of Detaulf and at any time thereaffer. Lender, at lis option. may exercise anyone or more 01 the foltowing rights and remedies, in addition to any olher rights or remedies provided by law: _erale Indebtedness. Subject 10 appilcable law, Lender shall hava Ihe right at its option wilhout nollce to Grantor to docllll'\l the enllr8 Indebtedness Immedialely diJO and payable. uee Remedies. With IlISpoct 10 aU or any part of the Personal Property. Lender Shall hava all the rights and remedies of a secured party undor the Uniform Commercial Code. Collect Rents. Lender shall hava the fi2ht. WIthout nolioe to Grantor, to take possession 01 the Property and collect the Rents, Including amounts pasl due and unpaid, and appty the net Procaeds, 0_ and abova Lender's cests, againstlhe Indebtedn.... In furtherance 01 this right, Lender may requile any tenant or ofher usar of the Property to make payments of rent or .....,ees directly to Lender. If the Rents ora collected by I.8nder, then Gnlntor irrevocabty designates Lender as Gnlntor's attOll1O}'-<n-facl '" endorse Instruments receiVed In payment IhenJoI In the name of Grantor end to negotiate the same and collect the proceeds. Payments by tenants or olher users to Lendor In response 10 Lende:'s demand shall satlsty the obligallons for whloh the payments are rr.ader. whether or not any proper grounds for the demand existed. Lendor may WlR:1SO.lts . rights under lhis subparagraph either in person. by agent, or through a .eceIver. Appoint RecelV8r. Lender shaD hava the right to haw a _ appointed to lake possession of oJl or any part of the Properly, with the p~ to protect and presatWthe Property, '" operate lhe Property preceding forectosure or S31e, and to collect the Rents ~om the Property and apply the proceeds, over and &bova the cost of the rece/ven;hlp, against the Indebtedness. Tho receiver may serve without bond il permtted by law. Lendel's right 10 the appointment of a receiver Sholl exisl whether. or not the apparent vaiue of the Properly exceeds the Indebtedness by a subslantlalamounL Empioyment by Lender shall not dJ$qualify a ptllSOn ~om serving as a receiver. JudIclaJ Foreclosure. Lender may obtain a Judicial decree foreclos'ng Grantor's Interest In all or any part of the Property. _salon 01 tl18 P,operty. For the purposa of procuring possession oIIhe Proporty, Grantor t.erolly authorims .nd empowlllS any attorney 01 any court of record In the Commonweallh of Pennsytvanil> or elsewhere. as attorney for I.8nder and all persons claiming under or thrOugh I.8nder, 10 sign an agreement lor entering in any competent court an amicable action in ejectment lor possesSion of the Properly and to appear for and conl9ss judgment against Grantor. and against all persons claiming under or thrOugh Granlor. tor the recovery by Lend... 01 possession of the Property, without any slay of execution. for which thIS Mortgage. or a copy of thiS Mortg.oge verified by affidlvit, shall ba a sufficient warrant, and thereupon a writ of possassron may be /$Sued lorthwllh. without any pnor writ or proceeding whatsoever. Nonludlelal Sale. If pent1ltted by applicable taw, Lender may lorec:losa Granlor's interest In a. or In any part of the Persona.t Property or the Real Property by nonJudieiaJ sale. DeIIciency Judgment. Lender may Obtain a Judgment lor any deficlency remaining in the Indebtedness diJO 10 Lender an... applic&llon of all amounts mcoiV'ed from the 0>:erCl$8 of the rights pro"ded in this S6ction. Tenancy at SuIIe1ance. "Grantor ",mains In posses."on of the Property artar the Property is sold as provrded above or Lender ottwwrsa becomes enhlled to ~ 01 the Property upon Ollfaull of Grantor. Granlor shall beeo"," a tenanlat suffarance of Lend.... or tho purcllas<< of the Property and shall. at Lendel's option. Ollher (a) pay a reasonable renta/lor the ..... ollhe Property, or (0) vacate the Property immedialety upon the demand of Lender. Ollle< Remedies. Lemler shall have all othe< nghts and remodies prOVIded .n IhlS Mortga\1O or Ihe Note or available It law or in OQuity. SlIle ollhe Property. To the at19nt pgrmrt\ed by applroblO law, Grantor hertCy waiVllS any and I' r1ghl to have till! propsly maT)halled. In ex8rclSlng .ts nghts and "'madras. Lander shal be hee to sell all or any part of the Property logelher or separalety, in 0"" sale or by separalI sales. Lender shal be enlil1ed to bid at at!)' pubbc sale on all or any portion 01 lhe Property. NoIlce 01 Sale. LendGr shal gt\'8 G..anlor rtI&$Onable nollC8 oflhe time and place of any public sale oIlhe Personal Property or oflho tima artar whtch Iny pnvate sale or other intended drsposIbon oIlhe Person<<! Property is to be rnode. Unless 01_.. requrred by apphcabltllaw. 07-02.,.1998 MORTGAGE (Continued) Page 6 reasonable notice shall mean nollce given at leasllen (10) days before Iho lime ollhe sale or dlsposlllon. Wllver; Elecllon 01 Remedies. A wa~ by any party 01 a broach 01 a provision of Ihis Mortgage shall not constilute a waive< 01 or pl1lJudlca tha party's rights olherwlse to demand slr1Ct compliance wllh Ihat provision or any olhar provision, Electlon by Lender 10 pursua eny I1lmedy shall nol axclude pursuit of any olher remedy, end an elocllon to make expendllures or lake acllon 10 perform an oblk;jallon of Grantor under Ihis Mortgage aile< lellure 01 Granlor 10 p9l1orm shan not allnet Lande~s nght to doctare a dalaulland exercise its nlmadJas undarlhis Mortgage. Allomeys' Fees; Expen.... II Lend""nslllulos any sUlf or acllon to enfon:o any ollhe terms 01 this Mortgage, Lender shall ba an!lllad fa recover such sum as the court may adjudge rea.onable as allorMl'O' I.... .1 \r1al .nd on any .ppa;J. Whelher cr nol any court eclion is InVOlved, ell re..onable llJCPOnsas Incurrad by Lander lhat in Lendor's opinion are nllC8SS8lY at any time for lhe prolection oIlllllntarest or Ihe enforcement 01 ils rights shall become a part ollha Indebledness peyable on demand and shall bear InlllfBSllrom the date of 9l<Qendllure until r"Pald at the rale provided for in lhe Nole. Expanses covorad by IhlS paragraph Include, wlthoulllmllation, howe_ subject 10 any limits und", applicable law, Land..... attorneys' _ and Land....s legal expenses whelher or nol thare is a lawsUit, InclUding aItor/l9YS' 100$ for banluuptcy proceedings (including ellorts 10 modify or vacate any aulomalic stay or InJunction), appeals and any anllcipatad posl-judgmonl collaction -, Iha cosl 01 searching records, oblalnl"ll titie reports (Includlng foracJosure reports), surveyors' reports, "nd appraisal flle5, and titie InsurallCll, to the extent permitted by applicable law. Granlor also win pay any court costs, In addition 10 all olher sums provided by law. NOTICES TO GRANTOR AND OTHER PARTIES. Unless othorwise prO\lldad by applicable law, any notice under Ihls Mortgage shall be In writing, may ba senl by Illiefacslmile (unit'lsS olherwlse requlrad by law), and shall be affoctJva when actually delivered, or when depOSited wilh a nationally _nlmd owmighl couner, or, if mailed, shall be deemed &llactive when deposited In lhe Unlled Slales mail first class, cet1Ifiad or regislorad mall, poslag. prepaid, dlrec1ed 10 Ihe addros_ shown near the beginning 01 this Mortgage. Any party may chango its address for nollces under this Mortgage by giving formal writtan nolica to Ihe other parties, SpBClPying thaI the purposa of Iha nolica Is to change the party's address. All copies 01 notices of foradosunl from tha holder of any I;"n which has prionty ovor Ihis Mortgage shall 00 sont to Land61's add=, as .hown near Ihe beginning ollhis Mortgage. For notice purposes, Grantor aQnl83 10 keep Lender inlormed at all Urnes 01 Granlor's currenl address, MISC~EOUS PROVtSIONS. The following miscellaneous provisions are a part oIlhis Mortgage: Amendments. This Mortgg,ga, togather wilh any Relaled Documents, consllMes the enllra under.ilanding and agreement 01 the parties as to the maUa<s set forth In lhis Mortgage. No a1t...aUon of or amendment to Ihis Mortgage shall be affective unles$ given In writing and signed by Ihe party or parties soughlto be chargod or bound by the aIlera"on or amendment. AMuaI Reports. Illhe Property is used for purposes other than Grantor's residence. Granter shaJl furnish to Londor. upon reQu8$l. a certtfled statement of net operating income received from the Property during Grantor's previous ftsca.1 year In such form and detail as Lender shaH require... "NaI operaUng Incomo" shaU moan all cash receipts from the Property Ies$ all cash expenditures made In connoctlon with Ihe operation 01 lhe Property, Applicable Law.. Thl. Murtgage l1aI been delivered to Lende, end accepted by Lender In Ih8 CIltnmonweallh of PenMYtvonla. This Mortgage shell be governed by ond con&lrucd In ac;conSsnce wtth the laW. of Ihe Commonwealth of Penneylvsnla, c.pllon HudlngL Caption headings in Ihis Mortgage are lor convenience purposes cnly and are nol In be usod 10 Interollll or dofine the provisions oIlhls Mortgage. _gar, There shal be no merger of lhe inlarest or estate aeatod by lhis Mortgage with any other Interest or eslate In the Property at any time held by or for lhe benefit 01 Lander In any capacity, WIthout the wnllOn consunt 01 L.nd.... Mulltple Partles. All obligations 01 Grantor under this Mortgoge shall be jolnl and _, and all relarencll$ to Granlor shall mean each and rIV8IY Grantor. This moan. thai each otthe persons signing below is responSlble lor all obligations in this Mortgago. Seversl>llity. If a court 01 compelenl jurisdlcUon finds any provision of this Mortgage to be invalid or unonfon:eable as to eny person or circumstance, such find!ng shall not render thai provision invalid or or.enforca6ble 85 to any other persons or circumstances. If fea$lble, any such offending provision shalt be doomed to be modified 10 be wlthln Iha IIrruts 01 enforceability or validity; however, if Iho offending proVIsiOn cannol be 60 modified. it ~II be stricken and aU other prOVIsions of this Mor1Qage in aU othBr respects shall remain valid and enforceable. S;L.tf~WS _~ u.c:gr;s. SutlGd t: tho: !:m~..:tier= ~=ted !n tt= Y~!Qe on tran~fet' (If Grantor's inl9reS1, this MOIfg.aQe shall be bindlnQ upon and inure 10 the benotll 0I1ha partieS, their hairs, p8l"'..onal rep_llves, successro and asslgns. If own<nhlp of Iha Property becomes _led in . plll'Son olhe( than Grantor, Lender, without notice to Grantor, may deal WIth Granfor's StJCalSSQtS With reference 10 this Mortgage and Iha Indoblednes> by way 01 tort>oar.nco or 6Xlenslon wrthout '-Slng Grantor from tha obligalions of this Mortgage or liability under ;he Indobladnoss. 11tna Is oIlhe Essence. TIme is of the essence In the pertormance of thIS Mortg.ge. Waivers and Consents. Lendor.haIl nol bo doomed 10 have war""" any nghts under IhlS Mortgagg, (or undor lhe R3l&1e<l Documents) unless auch waivor is In writing .nd signed by Lender. No delay or orlllSSlon on lhe part of Lender in _rig any righl shall operata as s waiver 01 such nght or.ny olher right. A W8!V<< by any party of a prOVision of thIS Mortgage shall nof constitute a waiver of or prelualce 1he Plllty'S right olh<<w1se to demand stnct compliance WIth that prbV1SlOO or .ny other proviSlon. No pnor W8I_ by Lander, nor any course of doallng between Lander and Grantor, shalt consUlule .. w8l..... 01 any 01 Lena...', nghts or any of Granlor's obt;g4tions IS 10 any Iutura transactionS. W_ consent by t.onder IS reqUlred in Ihls Mortgage, lhe granting of such consont by Lender In any instance shaH not constiMe continUing con<..enllo $ubsequenl ins1a.nces where SUCh con5801 is requncl. EACH GRANTOR ACKNOWLEDGES HAVING READ AU.. THE PROVISIONS OF 1l1lS NORTGAGE, ~ EACH GRANTOR AGREES TO ITS TERMS. Tl1IS MORTGAGE HAS 6EEN SIGNED AND SEAU:D 6Y THE UNDERSIGNED. GRANTOR: x~~~.< all D.ThruSll,.w. /' (SVol) x Yf~~.J /I, I~_ EIeMlor A. ThtuSll (SEAL) .....y........ . ., . ""'.Af_W."."ty OMd, lhort '0''''' Act of IlOt-AmftlN 'lit PtlotO"RaOO<<!lftl Ht"" HaU. Inc., InCU.na, ,.. f1tb i~ :l\ttb, MADE THE J.~' a' our Lord on. Ih<>v.and ni... hundr.d <!all a, ~f.<. seventy-eight (1978) ill tho I/ea, BETWEEN PAUL O. THRUSH and MARY C. THRUSH, his wife, of Diokinson Township, Cumbe~land County, Pennsylvania, hereinafter oalled Grcnlor8 , and PAUL D. THRUSH, JR. and ELEANOR A. THRUSH, his wife, or R. D. #5, Box 459, Carlisle, Cumberland County, Pennsylvania, hereinafter called r Grcnl..S : WITNESSETH, 11141 ill ccnuideratiOll a' One and no/lOO----------------------_ ----_------------------------~--($l.OO)---------------------- DoUa,~ in hand paid, Ih. ,eceipl whe,eo, iA he,ebl! acknowledged, the .ald granlo,a do he,ebl/g,alll and con.'l/lo Ihe eaid grantee s, their heira and assigns, as tenants by ths entireties ' ALL that certain lot of land with the improvements thereon situate in Dickinson Township, Cumberland County, Pennsylvania, bounded and described as follows: BEOINNING at a spike in the centerline of Pennsylvania Route No. 174, on the line of land now or formerly of Glenn Gilbert; thence along the latter, North 10 degrees 00 minutes 49 seconds West, a distance of 189.93 reet to an iron pin on the line or land rstained by the Grantors herein, thence along the latter, North 79 degrees 09 minutes 40 seconds Esst, a distance of 269.29 feet to an iron pin; thence slang the same, South 08 degrees 01 minute 42 seconds East, a distance of 187.00 fset bO a spike in the centerline of said Pennsylvania Route No. 174; thence along the latter, South 78 degrees 30 minutes 00 seconds East, a distance of 262.88 reet to a spike, the ,Place of BEGINNING. CONTAINIllO .969 acres and being described according to a final subdivision plan for Paul Thruah, Sr., by Wllbur H. Clifton, R.S., dated June 29, 1978, and recorded 111 the Orrice of the Recordel' of Deeds for Cumberland County, PennSYlvania, in Plan Book 33', Page 76 Lot No. 1 thereon. , and being designated as BEING part of the Ba!:!e property which George W. Weitzel, widower, gr~nted and conveyed to Paul D. ThTueh and Mary C. Thrush, his wife, Qra~tcr: ~~reint by ~ec~ ......._.. A.._.._.. ""9 "...100 ~_~~w "WOW~~ .1, .~~u ~28 rAtE 413 iUiu l"'c;c01"Qca in the EXHIBiT I C , , I . I I h ,'." ,~~. , ...),= ..1.'--.;.',I,/"/UtV 7"0 ,7C,',C,'EC'i():~~~,: TC',~y~hA !t~r:~~~lRd_.:'-_-~-_ _____ _CarLisle PA.._J70.13 ___________ November 3, 199.8.. 313435-30.023 ,';;""l'. Th" rv:OHTGf\GE he!d bv financial Trust Co.,. {herellwftef we, uS 0: ours) en \lour prup~rty Incatcd at -9.72._WesL Old-.Y ark_ Rd __ Ca r-1.i s I e.P-A . .170.13 . -""-"-"-'--.- IS IN :3Ef'iIOUS DEFAULT "eL.)"",> vo" !we lIot !)1/itle Ille mOIlIM,. pd!(me.'ll.; ,,, S -2,0.0.5.59. lor tile l1Iontli, of --.Sgp.t.ember__ __ ______ '._____ October..__._.____, and __ ...Nollewmber .1998, Jr:(!/f)r bt}C2i1S,~J u._._..__h__ __.....__.__ ....n... . , .....--.--, - .. .. ..... ".." .,---- -.. _. -- -.. _. H_____.__.u ,..__...__,. _._ _.._ .. ..._... .__ _.ou _.. .... ~., '__' ... __._' Late ch<.'qe~ and r;ther charges havs also accrued to this date in the JmOIJrt 81_$20.0..56 .___._. Th,! total J:nf.!llf't /it1\.'.' r2quirerl to cure r~l;; def.)1l1t. nr in ether wnrdo:, get CalH~h! l.Jp in ','('1;'- ,'.' "-"'" ..'\ ,", ';", ,:,;::, of this :""i'f :7S ..6,217.33.. VOfl mal: cure this defaull within THIRTY {30! DA YS of the date of tho's lerr2/' i.n :...i', ',",7 -.' ',S :.',' ;".')I'V" .)",Wnt 01 S ,~,~2,1.( ~}~ . _ "... ____ _, o/us .J(lV a(/ditio/,lal fPonthlv paYnlunts doa /3re ,:/1:11'7(; I,,:i,,:,:':",', :,~!~ ;,],:',1 :/1 ( .-,.'....inq this PUr/dd. Such payment must be made either hy cash, cashier'f) check, certitie-d ch~rk or n'Jr.e''/ I)"c(.'r, ::l,~d made at __.Einanci.aLlrustj;o~_._.____._.____ .__._______________.... _._ ._.__.___ _ ."___' Ii ~o!J do not cure tile default within THIRTY 1301 DAYS, IVl: intf,ld to ".",.'''''19 ....'r ",i"'" :u "".':'HJre the mortgage payments. This means that whatever is owing on the original amoLlnt uorro'Mer! ,,,,,'I be ccnsidered due immediately and YOl! may IO$c thf: chance to P:3V oft the original1liortgage in rr:c.nth!v in)t;'ljt"l'~l.,f';, ~ i f:.;i! ~13vm2Cit of the amount of d(;fault is not m2dr within THl R TV (3D) D.A. '(5, we t3!SO intt'nr1 !t:'l If:S!U''-::: d, ,I" .H;C:'f"l.:," s tv start a Idlvsuit to foreclOSI1 your mortgaged property. /I the mortgage is fOleclosed your 'Ilurtg.<!:pd ("".>)('::1' ,'/ill be so{d bV the Sherif/' to payoff the fl10rtgage c/ef}t. I f we ref~r your case to our attornEyS, h t \1(.':1 ::\1' ,\ ,\1-,;, ..~:'f:tdt '~t::fnre they begin !q.jal proceedings again:;1 you, you will still h;we to pav the reasonable ;1~t()i(\'~Y':' f,,~,,:; ",'llj,ll,,' ilvt!!':'eri, up to 550.01.1. However, if legal proceedings are started against you. you will have to pay ti1,~ ";ilCnqa~~I.' atiU;r...:y's fees even jf rh-:v ar~ 0ver S50.00. An\, at1or,:12Y's fef::i will be .:idded to \"(h3tL'V~1 VOl' r.v,'(~ ',!', ',,",,1-:, h '~':-\ ;:::-:0 :n~":Jc!s aUI rl!a5(;1':lbIL~ CDS~<i, If vau (:Uf,:l t,'lt.' d!?Uu/t ~'.'i:llin tht' !h:rtv ~h:"De.'iod, V('~J ~'/I'/' '-;"1 .'~,' ..:.., ,:,' '<'-;'.';,'-;.",\, I'.r'-'s. We In3Y al~\.') sue YDU 0ersonal!v for thp.llnpaid principal bal2nc2 and all o:11er ;l.jr)',::; ,-I:.~ :"~-~:" !,~ ~i,(H't~l~.~~' if ~IOll IEi\'\) 1101 l':;Uf"2l1 th:~ \--;l~>~aul; ',','11hin !he thirty ddY p!~r,Gd ar':d fUrt;lt;i\....:I, : ;".". ','\1: t',:l;ln, V..!i' c;:il: /liJI.te rhp righr:o cure the def3ult anf./ pnJven{ the sale at In'l tune uc to on~ /'(11..,'" ~".':_~!',' l'.'~' .~~/- ,:,'/;::\ {r:,rt'{,'.'cr:ur(J sale, '~f';; I)\.H' au ~I..ll~v pti}'in,q the t~)I,,' ,'J;T!('UlH of the ur:;'\Jid monthly- V-:-I(.': ,'eOtS r '",,; " '( (.. ',' '. '. "~i.'I! di./t! as l.,,~/l .'.5 rlhl ",HHol!;;blc .'1([0(p(;:,"5 l:~,;J!J' a;llI costs conncct'.'d trill): Ih:; f.)r2'~/I.I~.' '1": ,; I',' " , '.' ':;'-.-"1" ,t::,,'uire- .};.3nts if1It/"r the mora-c;raqe, It ;5 e:tlrJ1oterl that the t.ar1jes~ dote th.::t SUl.tj '3 SI1~'ttrl J S,~'r~ ':'.~Ji::: I::c Ilt:ld \''\,;.uld bp Clr' )'0' 1I"att~h' 120 ays __ A "Olh"P oi Ihp date Of the Shp":ff '..l1~ "VII! >~ 1 " ',~. ~ 'l~" "i'.' G! COIlr$e, titl:' ar,""Jur,: lw.;;ded 10 I-:',!I'e the' (!02t.Wlt '..'Ji:: inc.~'~;1~l! the :(+IH}~r VOlJ ~'f~i:, Y,.;.! I" ' -, :,"",ll'::!'/ \,~.11.]~ th: reQuiretl payment will he by caning us at t~,e followilig number: ,--241~7759 ...__ _ l', I,,~'~ "~.'r -,:llS~ iJe ;r' cash, cJ~hi13r'~ ch!~cl.;;, certified check or I"noncV ()flier ~nd :rki[je j).1'/:;bi,~ to I~.;il :hi'; ,~!:tir ;.:.~: <';~'~:', _,,','\ ''f ell srnuid r'23!ize that a Shcri~f':. sJle wi:: \~nd V'Jur owne~s~ip of !hC r.~IUI~,f!,~I..l~d ;Jrr:,~, ('; i~. If 'if'lU cOi'tinue to 'h'e;n the Dronff~'/ Jfte:r :he Sheriff'~ sal~,;'_ iawc;l<~ .,:(:l\~ !'" ,:~,!~,,' . :., I., .,,i.,, -,!",l '('", ;';.'11"1)1:": .r '":JlJ h31,.' JCI..::t<Jr~ul ,:,~:!,t~ tl.' ':-':~', :.-r;')l;~':' ',.-nCi ':-,~':.'n)~',' "~"l"r',"., ??:.';P::~:Y i'J 03T:~::\i ~';Oi'IE:Y -:-0 P";' C:FF' Tn:; ~i1CS7J"':"..;-:: ~~~~" )..1..iC;'i~::!i t_E\4:)P'JC; ,",jST:'TL"':",rll\:(' ;Y (,~r:F T!~:i~~ ::;;:,:37 " I~ ~r,~;\,~)r:~f~~-~.,c; ~"PC?'EP.~Y S~.;~;.:FCT' ~(l :t~.:: ~'..~()i=;""':::,~'3:; ~,~ ;:\ 1:;":' t' '.. .t '; 'r,-. ... . , ::'O~t . ,~ii ~SSU~,'E: T...;:: I\'~ORTG;~G~ DEST, ':"d(,l\/1~::G I-1A-r .4.~L .f.,TTC\P~"J~Y'S ::~O:'~ ~\!'~J COS';'~ I\l'~ !:'l~-\,r PSiOP TO C,P T~E:, \."i~~f-~.:~\' \.~; :\:: _Ii -, ~\: ,_ L . ,; ~ ::: ~ ~ \1 D " f' ~. , ::: \, ~ .. ;. ..' F.:, ,\',~ '.-1-:"; . ,. "'-~;~ .\ ~ \..:-i ..- c) -,'" ,..... " " .,' ,J ,:,,;.":1' .,"1, I.., ,. '\;..:: ". .~ . " \,' :: .-'1 ,J', ;~~ C EXHIBIT I D ,/. (7~)-, .~l'Y' i. ''''....'''\. }': <:t. "'-"'- 'l': , .''JDrrL~:; c'; i:'J:~.='t"//(II"'j /'..) FOPECLCSE ,11n'~;"-\,J-":;_: TO' Paul D Thrush, Jr !It;t WesrOlill'lYrl\ Rd Carlisle P A' 'non -.- - ---.,----...- '.---,-----_._-, _..-.- ---------------- ,..1 ,;- ~l ;,: r' ~" : 1 ~(: November 3, 1998 '.'", r,.'.. 3J 3435-}0023 '"__ !I ,:i:!~',,~,.~;~:~ ;:~: ~(~ '~rr(;~[;i!)~Jn ~~,~~~)~~;~It~f,~~,~le~o ;;!f7~J~s~.bJ(York RC?~d..C.ar 1 i~l.~. PA_ : 1!_~'1~~~~'~:= ~ _ ~ . ~.__..__.'_ __.__ _ _ h_'" _.. __ _ ~ _____ .._. ,e .\.C[':f"IL"l'eD~''''l.:IL-I'''''''''' ....It..' .,'.,.]....1'" 'JOfllhlvpaV'lJ""('u'f,2 005.59 0J"'';'-' . ':.J I-.rl-'\ I _~..;,'-'..l.; }t;,_, .I~l.llt,., ,.4.,/';( ./. 1 . .":> ....L~_".._._.__._.......,._.. ~_ _....__ fi)( (lid !l1,mlls 0' ..September._ ....____.___ . . _..__.9J;Job~_._ , Jl7d..~oY.\lJ11!1~L 19!!.!L._._.. _______, ;'.'/'],' " .'r: ,. /"J,<: ." '.' :.'~,,' i_,.~:.: :;1 :':'~~l~S dll(j 11~f.\~r ch;:rq'"'s .h~\,'-',~ ~l!S() ~;c'~~-~~~cl-~~- t~l ;~'.d;t;i~he- J-~~U ~t~~,fh.... J?QOo..~6.', 'i",~ .',t r,\~'..'J fii(jl!;(,).::i t.) c\:r.~ ti,:~ ',-.!'::..Jt,dt. ur II) otller word:;, gE:( c:-H..igh1" Lp j., \.'011: ;;,,;',::~-,'~r:' , "'3 6,217.33 ........_ n' ne total 1!~i 'J: ~h(~ ~=;dt~\ e,f t~...jc; 'll~u }iiaY C~/m thi, clef3uit w;t!u'n Ti,/HTV (30) DA YS of the date of this lerter bl' ,)31.1i!H/ to :...5 {,I-;l~ ':;!)(J~'!} amQunt (..'/ S 6,217...33 . __n_ . pit/!,: ::UH' acldlt/on?' monthly fJn~omenf:; ami Idtf} cflar.r,i.~ 1,'.....111(;/7 . Jri..;., .<,....r dua-::'.Ilitlf; this pt!OO(i. SlJdl naymcnt mu!:t be mnde either by cash, cashier's check, t~ertified check or mt'nt-~V orJr:'f, and made at ._Ei!l_anj::jal.TJ'l!.sj; ~o. ...____ ___.__.n u......__ _ "___n ..__.._.. ___... ._._ _.. ..__...___" !f vOd C\J not Clire the dt:f3Ult """illlin THIRTY (301 DAYS. WA intend t,"" UX&;'i.:'.SI'! ,)/;:' I;ajtl:' rr) a-::Ct.',:p.rata the l])ort.~;Jge payn1ents. This means that whatever is ov..'ing on the original amount borra\fllFd wi!! be ~cnsidet"ed due irnn'i~dLH~:lV and YOll mav lo~c the chat1ce to payoff the original mortgage in n)()l1thly ;nstalirnwH:= if full payment of t",.2' ;W'l\)ur~t ct do:fault i~ 'lot fil,3dt~ \-'/!U.dn THIRTY 1,30) DAYS, ~\-'e alsL' ,'nrend (.l ,lli!."J!I,::' t.'~::' .~:-t'.Jr.'Je~',:,; t,) start a !.l:vsuil [0 lorecto5<! /OW J11ixlgagc.a prupertv. If tha mortgage is toreclosed }lour J11arrcagecl "TO/lt'l rv will be sold by fh: ShlN'iff r;.' p.::j,-, off the n;ortgagc debt. ll~ 'N'; refer )lollr case to oU'. i:tttonW\,lJ, bu~ \/ou tH";.~ ih:; llef(\ult b(-!fo:-e they h\~r.!;" 'r.'f~,;~i It~)Cr.C;{~;f~q5 J~4a;{~1st yel.:. VOU \I\'ill ~1iH i13Vt.; to puY the r0aSI)lHtblf: cHGrrlt~\ '~; ;r:';::i. ~~:.t~!t~t\' in("l.!fred, up to S50.GtJ. r~()we'.I~I', i~ legal rrocecdings .Ire st~rted againsl you, you will h~;vc to pa'l th~ i'~ssonQl)!t; attornev's fees even :f j',' :.:n~ O\'i,f Sf.n.Or. ~~,n,' :~HOt'rr/s ft'e~ IfJ;P bG arlded to '."hi1t:~\ier 'led ..-;Wr~ U!' :\.;,iL'~1 ;nev \11S0 :nelude our .",-tl;~f..;i.: :;~.\O~~.;, l( '\1:1 C:'I,"~ (r~e ~"I,.daul!' Ivit'}r") (h~ [h/rty dav ptlr:"rJ(l, \,,0(; wii' n(l,' .:'P. ~.:I,. r....':; ~;-,. ::.:.'\/.i:(,~,,'''t'j''s f(~e)o. \.\:e :Tii:-.V a;sr: C;.!(l you o.::-;~:sontlHv tcr :lk ur.oaid pr;l1cirJal bal<ince and ali other sUrr,~(;i,lt' ';.';...1~:: ~L~ f'.lort~Jgp.o .~'~: ilD~f-;; ",;l CLi:',..>rl th: 1~(~:j:;Ui1 wl~11;tl thf' thir~.y day neriGd dnci k'rcc'o~urP 'li.\,,>:i_din~.~': ~~;::""~ i"\.~q\J:i, vou still "~i/~~ ~ "!":' r;:J!?;:o ('...'fe (h/~ f~:ef2;"/{ and .;:r(;'l,tmt [t'D :ia/e at anY' time up to ane hour ~'ff.'h.'r;; Iii'} Sht!,-iffs Ihrec/Qsure sale. ";.' :J, ,:/0 ..;.:.J ,')Y rHY."lj ~/;r2 ~~<.!I ,11 IOU,)! of th':! ut1,r'7(jid (no{lt/~!V payments plus ;~;"V i;;:~:: ;-:; .; :!;:~;I' ,-/l:Y9t?:; thiJn due. Z1:; ~1't-':/ :J:;' rh.:.! (1:.:.JscnJ I..., I:;' .]uL'r,'..er'~' let'S and costs conner.tlH" with (he ,foreclosure S.,:i:' :..~:;'.f pt;" o(o,.,;! {lll\l l,.."Ith?f {erte/re- /'::f..'Ur3 UTu.te" the !7'oJr!gcgeo it IS eSlir~ated t!~3t the earliest date that such a Silt'rift';; sal~; ':~)lI"j bd f1eld would be r.l,'~;;ro_"i.~,~j!fi~;120 Gays /J.. (,tJ:IC(; of tilE d;:;te of the Sheriff sale \'Vi!l ~,~ se~.;t t,) .~'c'w 'j'k(,;, t:h~ sa:i:' Of course, ~~',.; .~i'.,.:'L.::"";t :~.r=2ced to (,!jre ~he '~,:hu!t will ii'C!(,;3~C the tongeI' YOl! \\'.1i!_ You mi1V ~1ild C'Jt J~ ]1',/ ti'119 ~'~d(':tly what tl'le rf:~UiiecJ payir'.cnt will bt-: by .:aHing us ~t the fo:lowir.g number; _.2!1..::Z729-_. TI~j'~ pJy;-rle,'H 'ill,st be in cash, c~~~hi2r':; ~~~ec;':. cr-rtified check or mcnj~V ordf;r Jnd mJde pay::-b!e to us at the dddrcs5 s!3t~d ?be,\'C' 'iN.: ~I'()d:d r.::3!IZe tl1:n a Sheriff's s31e wi:l end '/OL'r ownerShip of the mortgagl?d propel'h ;r~~j 'fO:"li" ri~~ht iO rema:r: in ,r. !t., ell C(,j~lir.I;'2 to !;ve :n the pr:)n~rtv after ~he Sheriff's sale, .1 lawsuit eQuid he !t8rt~~ :~; ~\,it:~ ','(ki. ','"\.1 >:~\!? :...;cit,cr.2\ !(gh~~; ~,) !~1_-:;"1 :"'~i~i~':1 ',:':;Vl :ntcre~t j'1,til~-! prOCi'rtv. 'yC'L' ~,,:...-,/E. :.~f. Fi'..i;:~ TO :~E!..L THE ;::;;~PE.;<TY TO .J5TI-,i:'~ \'O~.;~'l' T'J PA' OFF- THE ~"ORTGAGE DE3i C'P 70 eC"~.=tJV\, 1I..1'JNE\' FROM :"~~~:7"~E,~ ~~-:~JC!:~C~ 1\ISTITL:~-.l-:i\ TO .:'...'1' orF TI-HS DEBT Y('u r...1.:....1 I' \\;>:" _..~< ;'.~ ,....!H7 :~; SELL DR ::~'\"':S.:"t:.~ T:~~ :::fJCP~h~"'" 5L";~,~'l:(..i :1) T;-~;:: ~~CR'-G/\(;~ liJ f.... ~Hj'r(;.-, \~.;' ";'~,".h:~::E?:-"~ W~-:(i V'!lL~ .~'.5SLV~ :-o-i~ "~ORTGA,(jE JE3;, ?Ro\/rD!:O THAT ALL THE OLIT31'.J..:'~[)li\l'~ ~',,:..,y,'..jE;"~TS. LH"~P.GES AI\iD ;...'T--',:::~'!C'i' ':; =-f:f::S ,\f\~O CO~~7S .'\;".\:: P/ljQ ;Jf-;~OR TO OR ;....r 'iHE S,~LI: ~ \.'C T:-:~':- 'T~~~ JTHi:8 Pc:':)U1RE- ._ .....':~':.~ :;::: .:." :.:-:.,<: 1.~:,"\"'Tr\'=.' }:-~ ~,-\' '_. -,-.,,",: ".:~'~'-; \,,\::-l.:\7 ':;;~C,lrl'~ ;,."\ . , ...- _'l: "';,.',,;: ~-f-~=- ~'.:1~"j:'1'; ~--,_ ,-~;",,::' ".' ._.'.,..'._:;,... .~:.;(~~:' .3'~' .t,;-'~'.' ,. i ::' .I f ~ .~~ \ '.: - .. f. " l .';: -:.0 :--:..,'_,= ;::,,'.' t: ,.', EXHIBIT C , :,., '~#'l~.r--~~) I ... RE: Account No.: ACT 91 NOTICE IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM. PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS 313435-30.023_.__....__ Date: .No.vember-3,._1.998.__._.___ TO: E1 eanor.A. Thr.l!.sh. ._____ FROM:_.. Firi.ans:ialJr:ust CO. You may be eligible lor IInanclel assistance that will prevontloraclosure on your mortgage If you comply with the provisions 01 the Homeowners' Emergency Mortgage Assistance Act 011983 (the "Act").You may be eligible lor emergency temporary assistance II your default has been caused by circumstances bayond your control, you have 1\ reasonable prospect 01 resuming your mortgage payments. and II you moet other eligibility requirements established by the Pennoylvanla Housing Flnanco Agency. Please resd ~II 01 thla Natlca.lt contains on explanation 01 your rights. Under the Act, you are ontitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date 01 this Notice. During that time you must arrange and allend a "face.ta.face" meeting with a representative of this lender, or with a designated consumer credit counseling agency. The purpose 01 this meeting Is to attempt to work out a repayment plan, or to otherwise settle your delinquency. This meeting must occur In the next lhlrty (30) days. If you attend a face-to. face meeting with this lender, or with a consumer credit counseling agency Identified In this notice, no further proceeding in mortgage foreclosure may take place lor thirty (30) days after the date 01 this meeting. The name, address and telephone number of our representative is: Jack V Hutchison =T4I~j:tCt6~r~B~y.._______._____.~====~ Carlisle PA 17013 Tel';phone N~':;;b~~lI7 -241-.:71]:2--...-_.-------------------- The name(s), address(es), and phone numbers of (a) designated consumer credit counseling agency(les) Is (are): YWCA ----30nr Streef Ca rrisTe-pA~_}tQI;L=_~:_ -- --- 1\ is only necessary to schedule one face.to.face meeting. You should advise this lender Immedletely 01 your intentions. Your mortgage IS In detault because you have failed to pey promptly installments 01 principal and Interest, as requlrGd, for a period of at least sixty (60) days. The total amount of the delinquency Is $ 6. 21l.",~__ . That sum Includes the lollowlng: ----I~Hte!ll~~~~l ~ giJ'~8~~ 5~Ll?j-I2Qh~.l9.r....1.h-t:L.monlliJ2LS.ep.tJ.c.t and .NoL199A pl us _.........____..... .._...___ - 9_._..__.- __...________....___. . -------..------.....-- Your mortgage is also in default for the lollowing reasons: .--.-------------.---------.--..----.. -.,.-..." ---- -.....--.-.-----.------..-..-----.---. If you have tried and am unable to resolve this problem at or alter your face.to.face meeting, you have the right to apply (or financial assistance from the Homeowners' Emergency Mortgage Assistanca Fund. In order to do this, you must fill out, sign and file a completed Homeowners' Emergency Assistance Application with one of the designated consumer credit counseling agencies listed above. An application for essistance may only be obtained Irom a consumer credit counseling agency. The consumer credit counseling agency will assist you in filling out your appllcetion and will submit your completed application to the Pennsylvenia Housing Finance Agency. Your application must be filed or postmarked. within thirty (30) days of your lace.to.face meeting. 1/ is extremely important that you file your application promptly If you do not do so, or If you do not follow the other time periods sel forth in this lol/er. fO/8c/osuro moy proceed against )'our homo immodlStoly Available tunds tor emergency mortgage assistance aro very limltod. They Will be disbursed by the Agency under the eliglbilit)' criteria establl~,hed by the Act. It is extremely IInportanl thaI your application be accurale and complete In every respect. The Pennsylvania HOUSing Finance Agency has sixty (60) days 10 make a. decls,on after It receivGs your application. DUlOng lhat additional time, no foreclosure proceedings will be pursued against you If you have met the time requirements sel 'orth above. You ",II be notified directly by that Agoncy of 11~ decision on your application. The Pennsylvania Hou,.lng Flf1ance Agency is loc!ltod 012101 North Front SlIeet, Post Office 80x 15530. Harrisburg. Pennsylvania 17105. TolcphollQ No. (717) 780.3800 or 1.600.342.2397 (tolllree number) Persons With Impelred healing can call (717) 780-1669. ill aUUltlun )"'VU lTlo)' i06':;:;;j"..; ;;:-:::;:hc:, i'ic::cc !r:::,,:,,: !h::: !e!"der :.!~ce!" !-,ct 6 o~ 197111. Tha~ n(ll_i('~ iF- rAII~d the ~No'i~n of Intenlion to Forec!osurcM You mu~t rcad b':.llh nOllces, sirKO they bcih c:a:pla1n tights that ~'cu now have under Pennsylvania law. However, if you choos.e 10 t?k(HCIE-e your nghts des.cribed e foreclosed upon whtle yelJ are recel\'lng the1 Assistance. I _ EXfr_ 2"""'""~) / n, ""." ..... H'" " , ."" ."'" W. " "",,;;&~~~~;;" 'Jo~~t Off" :r:".t t;l\J."'f"",~. ~'H. ,.- RE: Account No.: ACT 91 "NOTIt;E IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM. PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FU.....URE MORTGAGE PAYMENTS _~1J4_~~_-30023 Date: November 3. 19..9.6. ______. Paul D Thrush,---'Jr TO: . ~lnanClalltUst.Co;------ FROM. ___ . ___________... _.. ___ You may be eligible for financial asslstanca that will prevent foraclosure on your mortgage If you comply with the provisions of tho Homeownsrs' Emergency Mortgage Asslstanco Act of 1983 (the" Act"). You may be eligible for emergency temporary assistance If your default hes been caused by circumstances beyond your control, you heve a reasonable prospect of resuming your mortgage payments, and If you meet other eligibility raqulrements 08tabllshod by tho Pennsylvania Housing Flnsnce Agency. Please read all of this Notice. It cOlltDlno an explanation of your right.. Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and attend a 'face.to-face' meeting with a representative of this lender, or with a designated consumer credit counseling agency. The purpose of this meeting Is to attempt to work out a repayment plan, or to otherwise sellle your delinquency. This meeting must occur in the next thirty (30) days. II you attend a face-to-face meeting with this I~nder, or with a consumer credit counseling agency Identified In this notice, no further proceeding in mortgage foreclosure may take place for thirty (30) days attar the date of this meeting. The Dame, .addrEjss, and telephone number of our representative Is: JaCK v HUl;cnlSOn - ----.14lS-Ritner"F!i{f--------------------------------------------.- _0-' CatTrSTi:-pJ\--1701 j ---_____ ..... -...----- 7'17=-24l:::7'159--------- .-------------- ----.--..---.- Telephone Number: ___________.______.______... _.___ The name(s), address(es), and phone numbers of (a) designated consumer credit counseling egency(los) Is (ore): _ .__YHC1\_____ .___...... __. .._.....___. _ ___.__________.__.._. __________________.______ _J.QLJLS.lr.~et.__.__.__.._ __________________.__ __________ ____""'__ ...C_ar.Jj.?J~...I:LlZQ.LL__ _____ ___ ________ ---------.-..--..---.--- ...---- . "---.. .-. -.. ...-. --.. ----------.-..--. .,.---- _... .- --- It IS only necessary to schedule one face-to-face meeting. You should advise thle lendor Immediately of your Intentione. Your mortgage IS In default because you have failed to pay promptll' Installments of princlpel and Interest, as required, (er a period of at least sixty (60) days. The total amount of the dolinquoncy is $ 6, 217 ~~ __. . That sum Includes the following: T_~rl eet __Mohn.t.h.1 LpaY~~onot~of $2 .9D5. 59 f!l! thi?__months__oJ....?~P!,...Dct & November 19~_8 pl us a a e C arge or-~~ .~o --.. .-...... ._-, .--..-- -...-.-..-.----------.--- ---~._---------_.__._._--------_._,- .----.,... Your mortgage is also in default for the following reasons: __.________. __.u__..__._._____.._.__.._.___~_. - -.--.----------..-------___ _'_"~ ._..____...._u_____. ,_____..__ If you have tried and are unable to resolvo this problem at or after your lace.to.face meeting, you havo tho right to apply for financial assistance from the Homeowners' Emergency Mortgage Asslstanco Fund. In order to do this, you must fill out, sign and file a completed Homeowners' Emorgency Assistance Application with one of the designated consumer credit counseling agencies listed above. An application for assistanco may only be obtained from a consumer credit counseling agency. The consumer credit counseling agency will assist you In lilling out your application and will submit your completed application to the Pennsylvania Housing Finance Agency. Your application must be filed or postmarked, within thirly (30) days of your face-to-face meeting. It is ",.tlamely important tha' you fifa your application promptly. If you do not do so. or if yOU do not follow the other rime periods set forth in this 10 tier. foroclosule may proceed egalnst your home immediately. Available funds for emergency mortgage assistance are very limiled. Thoy will be disbursed by the Agency ur,dGr the eligibility etltana established by the Act. It is extremely important that your application be accurate and complelo in ovelY respect. Tho Pennsylvanie Housrng Finance Agency has sixty (60) days to make a deciSion elier it receivos your application. During thSI additional time, no foreclosure proceedings Will be pursued against you If you have met tho time requirements set lorth above.You will be notified directly by that Agency of lis decision on your apptication. The Pennsylvanid Hous!l1g Finance Agone}' is localed at 2101 North Front Street. Post Office Box 15530, Harrisburg. Pennsylvania 17105. Telept10ne No. (717) 780-3800 or 1-600.342,2397 (toll free number). Persons with impaired hearing can call (717) 780-1869. In addillon you may receive another notice Irom this lender under Act 6 of 1974. That notice is callod the 'Nolice of !nlenllor,lo rorec:05i..iic'', YOu mu~i: fead uuth l1uiict::;, ~incc ih"y both explam nghts that you now have under Pennsylvania taw. However, U you choose to exofCIse your fights described in thiS notice. you cannot be foreclosed upon while you ate receIVing that lisslstance. Very truly your..... , EXHIBIT & . :.rPef1\b~, acr,ed TOLL REE all (8c.O) Tt.e Pennsylvan1l1 HOI.JSlnQ .nan ."nJAA..... "1;!w. ~:"" '-